vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On Saturday, XX/XX/XXXX, I was on my Delta SkyMiles app looking for a last minute flight from XXXX to XXXX, roundtrip. I selected a departure flight from XXXX on Saturday, XX/XX/XXXX. I selected a return flight from XXXX on XX/XX/XXXX. When it was time to complete my purchase, there was an offer to apply for a Delta SkyMiles Gold from American Express card & upon approval, receive a {$250.00} statement credit when the purchase was complete. On top of that, you'd get XXXX bonus miles after making {$2000.00} in qualified purchases within the first 6 months of opening the account. To me, that seemed like a GREAT deal, because my flight would now only cost me {$350.00} after I would get that statement credit. So I applied, I was approved, and then was prompted to complete my transaction. That's when I received an error that the card I tried to use was not recognized, and that I should check my email to retrieve the temporary card number to complete my purchase. So I did that, and STILL could not complete my purchase. I tried several times and triple checked that I was entering the temporary card information correctly. After trying for about a half hour to make my purchase, I gave up and decided I would call in the morning. 

When I spoke to American Express customer service, I was told there was nothing they could for me except offer me a {$15.00} statement credit for the inconvenience. In addition, the last-minute flight that I wanted to book went from {$600.00} to {$730.00} overnight. So if they couldn't honor the price from the night before, I could at least try to book it at the higher price now because I would still get the statement credit, right? Wrong, I would now need to wait for the physical card to arrive in the mail before I could make any purchases. This is where I felt scammed. I had to wait until Monday, XX/XX/XXXX, before I could speak to anyone in " New Accounts '' at American Express. Once again, I was disappointed by their customer service as they could not even help me with completing the transaction with Delta over the phone. This made absolutely no sense to me seeing as it was a Delta SkyMiles Gold from American Express Card... how are the two not the same entity?

In summary, I feel like I got scammed into applying for a credit card that I now have NO USE for as it will not arrive in the mail until after my planned departure date. This is the worst experience I've ever had with both American Express and with Delta.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
On or around XX/XX/XXXX - XX/XX/2023 i recently opened up a Chime checking account in order to receive my Tax refund 5 days earlier like Chime advertised but to my avail it didnt go as planned. I received my card in the mail within 7-10 business days, thats when the problem occurred. I tried to log into my Chime account and activate my card but unfortunately it wouldnt let me activate it it kept making me sign up for chime all over again and i thought that was strange. So i called Chime and they told me some of my information didnt match but i knew that it did and didnt understand why Chime would close my account. So for 2-3 Months now ive been sending Support @ Chime & Review @ Chime constant emails about my account and un suspend my account. My taxes did go to the account unfortunately and now its over {$20000.00} frozen and Chime wont help me. Ive sent Documentation over and over at least 30 times because ive been trying for 2+ Months to get my account unlocked. ive sent over Drivers License, Proof of address, A selfie holding my drivers license with a piece of paper with my information on it, ive sent Tax refund acceptance letters, utility bills! Nothing ive done works! No one in real life replies to me when i email Chime support or Chime review i get the same automated email messages and its very stressful. Please help me as i told Chime at the time i was facing eviction and now is currently homeless with a wife and XXXX XXXX XXXX daughter living shelter to shelter or family couch to couch because chime frozen my account and wont release my funds. please help me and my family i have no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TX

Complaint narrative:
I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay.

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 2023-06-19 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: Paypal Holdings, Inc
State: WI

Complaint narrative:
I made a purchase on XXXX, payment collected by PayPal, with my XXXX card in XX/XX/2023. The item was for my wedding and was in my area after I left for my wedding. The package had to be signed for and I obviously wasn't home to get the package. The post office was supposed to send it back the beginning of XXXX and still has not. The XXXX seller refuses to refund me even though they're aware I never got the package, no longer need it and the post office hasn't sent it back. The post office has nothing to do with me so I don't understand why I'm being punished and stolen from. I filed a dispute with XXXX and they decided the charge was valid even though there's proof it wasn't delivered. I have zero need for the item now and it's not my fault that the post office still hasn't sent the item back. PayPal 's customer service was beyond useless. I was told I'd received an email to resolve this and still haven't received anything, 4 days later. There's NO explanation for PayPal not having customer protection when this kind of thing happens. I kept being told I had to have a PayPal account to file a dispute. When I made the purchase, I had a PayPal account but because the transaction was through XXXX and not PAYPAL, there was no recored of the purchase on my PayPal account which I've had to tell PayPal multiple times because apparently everyone is incompetent. I literally just want my money back for the item that I NEVER RECEIVED. How does PayPal allow XXXX payments but offers ZERO consumer protection when it comes to disputes?!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
I was told by XXXX XXXX that I had to purchase a 5G cell phone from their company, although I had just gotten a brand new phone. They told me my current new phone wouldnt be compatible with their 5G network. Against my will & judgement, I was compelled to purchase a phone in order to be compatible with XXXX  5G network. Over the next 6-8 months, the 5G phone they demanded I purchase in order to have service, consistently dropped calls, did not send/receive texts nor did I receive my emergency pages on my phone ( due to lack of service coverage ). I worked with XXXX XXXX IT, who told me there were no 5G towers in my home/hospital geographical location, and there wouldnt be for the next 2 years, hence the reason for lack/no service. I was forced to switch carriers in order to have cell service. I work as a first responder in a hospital setting. My phone is my pager & it is imperative that I receive all calls, pages & texts. Due to a misleading sales representative falsifying the coverage area surrounding my home & place of employment. patients lives were put at risk. At this time, I was compelled to switch carriers & purchase another new phone with the next carrier. I did not want a new phone from XXXX, nor did I feel it was necessary having just purchased a new phone. Misleading & untruthful sales representatives caused this situation and should be held accountable for their erroneous & misleading practices. I have incurrred repeated harassing calls from debt collectors due to this & feel my consumer rights have been abrogated. I am respectfully requesting that this bad collection debt be removed from my credit report as it was through no fault of my own. My credit history is superior & I do not shirk my financial obligations & responsibilities. This expense should be the responsibility of XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 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: TX

Complaint narrative:
These account is reporting have different dates under date of last payment or showing a past due balance on a closed and open account. Stop reporting this due to FCRA noncompliance of an accurate data being furnished on my consumer reports. These also states it was in XXXX and XXXX when this was opened and closes this is over 7 years ago. To old to be showing on my credit report and should be removed from all credit reporting bureaus already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TX

Complaint narrative:
These account is reporting have different dates under date of last payment or showing a past due balance on a closed and open account. Stop reporting this due to FCRA noncompliance of an accurate data being furnished on my consumer reports. These also states it was in XXXX and XXXX when this was opened and closes this is over 7 years ago. To old to be showing on my credit report and should be removed from all credit reporting bureaus already

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 2023-06-19 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was charged {$190.00} and {$59.00} on a PayPal Debit Card for purchases that I cancelled before shipping due to the cost being misleading by the vendor. The vendor shipped the package but I refused delivery. Although I've contacted the vender on numerous occasions, the vendor has not responded. I filed a dispute with PayPal on XX/XX/XXXX supplying all the communication with the vendor as well as proof that I did not accept delivery of the product. The status on PayPal indicates that a review would take approximately 5 days, but as of XX/XX/2023, the review has not taken place. I've attempted to contact PayPal but have only been able to 'communicate ' with bots. At one point, I was directed to open a chat through XXXX which I did. I was communicating with an unknown person on PayPal 's XXXX page with no resolution. I opened a private chat on XXXX and was communicating with an XXXX and a XXXX and was told that the issue would be transferred to the 'relevant ' party, however, the issue still has not been resolved or reviewed by PayPal . The account can be identified by my email address of XXXX. I'd appreciate any assistance in getting the charges refunded since PayPal is not responding and I've been unable to communicate successfully with a live customer service agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no association with the mentioned creditors, and I did not initiate the inquiry in question.

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 2023-06-19 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: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Hello, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) around XX/XX/2023, on my credit report. I was confused when I learned you somehow " verified '' the disputed items, and they are still on my credit report. Can you confirm how this investigation was conducted and what the XXXX  was that was used? I am not disputing this again ; I'm specifically asking for the method of verification for the below. 

As you know, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), the courts ruled each and every time that the XXXX couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the XXXX system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings. 

Thank you and I sincerely look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, I received a notification from my bank that my personal checking account was overdrawn by {$2900.00}. JP Morgan Chase credit department, not authorized by me, put through a full statement payment instead of the minimum payment that I had previously authorized through automatic payment. I called Chase, disputed the charge and had this investigated. On XX/XX/XXXX, I received alerts for my credit bureaus that my credit line was decreased, and the credit utilization increased from less than 30 % to over 100 %. Chase informed me on my call to them, that they reduced my credit line from {$14000.00} to {$1600.00}. I believe this action to be retaliatory, because I have another account with chase that was unaffected. The same account ending in XXXX that was disputed for the {$2900.00} was in fact the only account that the credit line was reduced. To date, Chase has not reported any delinquent payments to my credit bureaus. This is because Ive never been late, which warranted a report to the credit bureaus. Instead, they did more damage to my credit by reducing my credit line, and increasing the credit utilization. This was handled with carelessness and lack of professionalism. This debacle resulted in additional and unnecessary credits to my account and resulted in my credit amount increase drastically to {$5800.00}. In conclusion, this was all done to cover an error performed by the Chase credit department. Your prompt response in this matter would be greatly appreciated. 

XXXX XXXX Chase credit card customer Account Ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: IL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Dear CFPB, I am writing to file a complaint and request your assistance regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax, one of the credit reporting agencies. 

On XX/XX/2023, I sent a written request to Equifax, via certified mail with tracking number XXXX, requesting method of verification for two accounts on my credit report, which are XXXX XXXX XXXX account ending in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 611 ( a ) ( 6 ) ( B ), Equifax is required to provide me with the method of verification within 15 days of receipt of my request. 

I have attached copies of the certified mail receipt, tracking information, and a copy of the original letter for your reference. These documents serve as evidence of Equifax 's receipt of my request on XXXX XXXX. 

However, despite the passage of the legally mandated time period, I have not received any response or method of verification from Equifax. In fact, I recently contacted Equifax regarding the status of my request, and they acknowledged receiving my letter. However, they stated that they will not conduct further investigation and that they are currently processing a dispute for the account in question. This statement is incorrect as all disputes related to that account have already been closed on Equifax 's website. 

It is clear that Equifax has failed to fulfill its obligations under the FCRA by not providing the required method of verification within the specified timeframe. This disregard for the law is concerning and has a significant impact on my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: IL

Complaint narrative:
Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable.

I want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. 

I expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.

Company response to consumer: Closed with explanation