vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, XX/XX/2023 and XX/XX/2023 I mailed a certified notarized affidavits to XXXX XXXX XXXX XXXX Chase Bank and XXXX XXXX stating that I never gave their companies consent to share my personal information nor I was not provided with proper disclosure and for that reason I am a victim of identity theft. I have reached out to the respective companies letting them know that I am aware of their improper use of the sharing of my private information without my consent and in fear that they could be using my information for marketing purposes numerous of times with no proper response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, My name is XXXX XXXX. I have been a customer of Bank of America since XXXX. 

I had a personal Bank of America CC ( ending XXXX ) that was settled and closed since XXXX. However, I did not delete this card 's account from my online banking. Last year, I made payments to my active Bank of America CC using the online banking for a total of {$13000.00}. However, these payments were posted on the bank of America CC ( XXXX ) that was settled and closed. When I realized that the payments were going to the wrong CC, I called BOFA and received some of the money back in different forms. These payments were either deposited to my bank account or mailed to my house. I am still missing the amount of {$5600.00} though. I have been calling XXXX and transferred from one department to another since XXXX of XXXX. Each phone call I made, I heard a different scenario from the representative. I even went to a BOFA location in my area and the representative called the XXXX department but again the issue stayed unsolved. During my phone calls I got a case number # XXXX. I also got phone numbers of different BOFA departments. The last number I used was XXXX. I called this number about 10 days ago and today. Todays call was escalated to a manager who informed me that the case has been at the BOFA business office since XXXX the XXXX and it is pending review. Today is XXXX the XXXX and this refund has been pending review since XXXX the XXXX. Wow Let me know please if you can help me and if you need more information.. 

Your immediate attention is really appreciated. 

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 monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit & Collection, Inc.
State: CA

Complaint narrative:
Constant phone calls from the debt collector. Nationwide credit Inc. I do not owe anyone debt, and do not know why Im getting phone calls from a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. 
I have tried to contact Citibank after they suspect there was a fraudulent activity online. 
They blocked online access many months ago. I went into a branch to sort things out but even then employees could not help me. 

I tried calling them and get access granted again. However, they won't solve my issues at all. I have spent so much time on the phone to verify my identity to get access. They said they will send me a reference letter but I haven't gotten it for weeks. My phone number on the file is an international phone number, which they can not verify it. And they won't accept my second phone because it's not on file. I want to access 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 explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
With CashApp I was charged {$10.00} for a charge I did not authorize on XXXX, XXXX XXXX  in XXXX, XXXX contacted CashApp to resolve the issue, spoke with them by phone and corresponded by email. They determined there was no fraud and did not provide adequate evidence supporting their claim. Th {$10.00} is not the issue it is the issue of my financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I have requested a proper validation of debt that this company has failed to brandish. Further more I have been subjected to several threatening phone calls from this company stating that they are going to sue me and there will be no way for me to claim it isn't mine because " they made sure of that ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are two addresses furnished on my consumer report I have contacted Experian via telephone and also provided a copy of my XXXX ID in less than 24 hours the addresses have come back as verified From my understanding of the Experian Customer Service Agent the listed items were not verified by a human I have not given written permission/authorization to Experian or any other Financial Institution to furnish the any address listed on my consumer report other than my home address Experian is willfully violating my right to privacy and accuracy of my consumer report which is a violation of federal law by listing the following addresses on my consumer report XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase canceled and put a hold on my wire transfer, which I paid fees for. 

I need to transfer to pay my real estate agent to pay her fee for my business. 

On XX/XX/2023, I sent the money to my agent 's account ; Chase canceled my transfer without any information and kept the wire transfer fee. I had to call them to get the payment refunded. 

I got a different account number from the real estate agent and sent XXXX again. 
This time Chase took my money and never sent it and put it on hold without any notice. On XX/XX/2023, Chase sent an email stating that my transfer was delayed for 1 to 2 business days. I have not gotten any message since the date. 

On XX/XX/2023, I sent a message through their App asking what happened to my money. They responded by saying that there was a wire hold and need the personal information of the agent. 

On XX/XX/2023, I called Chase and spoke to 3 different agents the last one being XXXX from the Legal Hold department. She told me that there was no team to help me and I had to talk through the app or visit the center. 

This is ridiculous that Chase just took my money and did not provide any details for the delays, so I assumed the money had been sent to my agent. This event created lots of my hours just for XXXX which they should compensate me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
On XX/XX/2022 a person with the same name as me, purchased 15 pairs of slippers from XXXX XXXX. This person used my XXXX account. I saw the activity and called my credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The card was cancelled. However, the credit card company says I am responsible for the 3 transactions of {$130.00} that occurred on my account. XXXX says, because I called the bank before them, that they are not responsible.? The bank says the activity is valid based on documentation provided by the merchant ( XXXX XXXX ) I have written the bank ( Barclays ) several times for a copy of this documentation. They do not respond. I have written XXXX to show them the 15 pairs of shoes were sent to a XXXX XXXX in XXXX Florida using XXXX XXXX. I live in Hawaii and XXXX XXXX does not deliver to my address. XXXX screwed up. Under XXXX screwed up and my bank will not reimburse me for these charges totaling {$400.00}. 
I never ordered nor received 15 pairs of mens slippers from XXXX XXXX using my XXXX account. 
The bank refuses to provide the documentation they say they have to prove their case. Thank you for your consideration of this fraud.

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Per Texas state law, this debt has passed the statutes of limitations, no collection attempt will be able to be made through means of reporting to the credit bureaus once the statutes of limitations has passed.

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 2023-04-20 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: SC

Complaint narrative:
The following inquiries are fraudulent : 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 2023-04-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent letters to Experian But they are repeatingly reporting false information that is not accurate on my credit report which is costing me to buy a home no action as been taken by the company to move the false 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
12 U.S.C. 5531 - U.S. Code - Unannotated Title 12. Banks and Banking 5531. Prohibiting unfair, deceptive, or abusive acts or practices 2018-BCFP-0008 Document 1 Filed XX/XX/2018 Account : XXXX I, XXXX XXXX XXXX, have been in constant communications with multiple representatives of Santander Consumers USA, each and every one of them, have a different misleading story.

Santander Consumers USA, Sent me a Notification Letter saying there's a refund for unearned Gap Insurance without a check for the amount of {$570.00}, this is deceptive and misleading a settlement Letter to the Affected Consumer. 

Santander Consumers USA, representative told me to send a email to unclaimed property department and that will take about 20-30 weeks to respond after the Consent Order comes to an end. 

Santander Consumers USA, has deceitfully attempted to mislead and unfair abusive practice. Affected Consumer, Santander Consumers USA, is in Violation of the Consent Order ; l. Respondent means Santander Consumer USA Inc., including when doing business as XXXX XXXX or XXXX, and its successors and assigns. 

m. XXXX XXXX means the optional financial product that Respondent offered to consumers in connection with auto loans, which purported to fill the gap between the primary insurance payout and the outstanding amount of the auto loan in the event that the vehicle is a total loss, and any similar guaranteed-asset-protection product offered by Respondent under any name.

9. Respondent also used the following language to market XXXX XXXX : Your auto insurance may be inadequate to protect you financially in case of a total loss through accident or theft. If your loan balance is greater than the current cash value of your car, GAP ( Guaranteed Asset Protection ) can be a great way to protect you. Your insurance payout could end here. GAP takes care of the rest d. Describe the processes for issuing, delivering, and tracking payments to all Affected Consumers, including processes for handling any unclaimed funds ; j. Include the form of the letter ( Notification Letter ) to be sent notifying Affected Consumers of the restitution, which must include language explaining the manner in which the amount of restitution was calculated and a statement that the provision of the payment or statement credit is in accordance with the terms of this Consent Order ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CT

Complaint narrative:
Dear Sir/Madam I am writing to request the removal of inaccurate and unfair information from my credit report. The information my in question has been negatively impacting my creditworthiness. I believe that the information is inaccurate because 15 USC 1681 section 602 A states I the right to Privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This inaccurate information has been unfairly reported to the bureaus and has resulted in a lower credit score than I deserve. 

These INQUIRIES Need to be Removed : EQUIFAX MORTGAGE SER XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 PERSONAL INFORMATION IS INACCURATE : REPORTED NAMES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are inaccurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report. 

I am requesting your assistance in resolving this matter. Under the fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information removed. 

I request that you investigate this matter and take appropriate action to insure that the inaccurate information is removed from my credit report. I would appreciate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions taken to address the inaccurate information. 

Thank You for your prompt attention to this matter. I Look forward to hearing from you soon. 

SINCERELY, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CT

Complaint narrative:
Dear Sir/Madam I am writing to request the removal of inaccurate and unfair information from my credit report. The information my in question has been negatively impacting my creditworthiness. I believe that the information is inaccurate because 15 USC 1681 section 602 A states I the right to Privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This inaccurate information has been unfairly reported to the bureaus and has resulted in a lower credit score than I deserve. 

These INQUIRIES Need to be Removed : XXXX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 PERSONAL INFORMATION IS INACCURATE : REPORTED NAMES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are inaccurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report. 

I am requesting your assistance in resolving this matter. Under the fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information removed. 

I request that you investigate this matter and take appropriate action to insure that the inaccurate information is removed from my credit report. I would appreciate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions taken to address the inaccurate information. 

Thank You for your prompt attention to this matter. I Look forward to hearing from you soon. 

SINCERELY, 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all other wrong names and addresses should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I took out a loan with Titlemax but the amount I'm being charge doesn't match what I was told and the paperwork I signed. The interest fees are higher and each month it's a different amount. Also my information was apart of a data breach and I do believe my information has been share to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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