vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank has flooded my credit with hard inquiries without my consent. It is hurting my credit reputation. I am asking that JPMC removes all these inquiries. 
Chase has been sending me all kinds of new car promotions and I dont want one. 

JPMCB AUTO FINANCE ( Bank ) XXXX XXXX XXXX  JPMCB CARD SERVICES ( Bank ) XX/XX/ JPMCB AUTO FINANCE ( Bank ) XXXX XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX XXXX JPMCB CARD SERVICES ( Bank XXXX  XX/XX/2022 Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I enrolled in CareCredit ( Synchrony Bank ) back in 2017 with the purpose of paying for XXXX  XXXX. At the time of this report, I've learned that I was ( involuntarily ) enrolled in their " card security '' program. CareCredit claims that I did not opt of this program. Not only did I not have any awareness of their program until XXXX of this year, but I would've opted out given the option as it makes no sense to me. In sum, the company has been charging me for this fee since 2017 unbeknownst to me and as a result, my balance has accrued to an amount that exceeds the very purchase amount this card was applied for. 
The total amount ( current balance ) for this card security program totals XXXX ( fees plus interest ), which does not include past amounts I've paid to stay current with my balance. 

Please see attached copies of fees charged since XXXX. Unfortunately, all other statements were paper copies which I've disposed of dating back to 2017, but I'm sure Synchrony would be able to pull them up.

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 2023-08-28 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: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I have and XXXX XXXX Barclays credit card. in XXXX I was contacted and asked about a charge made in XXXX XXXX ( I live in XXXX  and was not in XXXX XXXX  ) told them it was fraud. The card was canceled and the charge removed. XXXX received a letter it was my charge {$490.00} was placed back on my account. I called the fraud department multiple times. they said I needed to prove I wasn't in XXXX XXXX  on the day the charge was made. I asked to speak to a manager. Two days later a manager called said investigation was not proper. my address was changed and a card was sent to XXXX XXXX  Told me charge would be credited 24 to 48 hours.. That was middle of last week. Charge still shows. I called today to be told they had no record of manager talking to me and the only way a charge would be credited is if a new investigation shows it was fraud. In the meantime I owe the money. At that point I was very frustrated I asked to speak to a manager again and hung up ... ending up no further along than before.

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 2023-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc.
State: NY

Complaint narrative:
The new account uses a credit card machine to collect money, and the money received refuses to pay for various reasons, and at the same time refuses to refund to the customer 's bank card. 
In many communications, the customer service of the merchant admitted that the operation was improper and the card could not be returned to the customer. Meanwhile, they refused to pay me. Needs to be frozen for 180 days before payment can be made to me. 
Since my account was newly established, I asked the merchant to refund the customer 's bank card in full and the merchant refused. The merchant 's behavior has violated the relevant regulations. 
Since the merchant did not process the refund, the merchant is now requesting immediate payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Wells Fargo Card Services account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I received my Chase Sapphire XXXX card in XX/XX/2022 and payed off {$4000.00} worth of spending in a timely manner to receive XXXX travel points, worth approximately $ XXXXThe card was not working during my study abroad time in XXXX XXXX XXXX When I returned, my card still was not working. I did not use the card frequently since it was mainly for traveling purposes, however, I called the company periodically. My card was closed and purged in XXXX with no notice. After calling the representatives, they stated there is no set time for how often a card needs to be used before they can purge it. They are allowed to take my credit card and points away for no reason and no notice if they desired to. It is astonishing that such a large company is allowed to function this way. They were able to reap the benefits of having another user while not needing to give the bonus since they can close an account for no reason as the usage needed to keep an account active is not found in their user agreement. My card was opened and used and in less than a year it was close. This is a very normal timeline for credit cards and a different practice should be clearly conveyed to the users.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: FL

Complaint narrative:
DEBT : XXXX XXXX XXXX, Reported : XX/XX/2023 Original Creditor Name XXXX XXXX XXXX  Validation of Debt Request & Accuracy I am writing this letter to formally request validation of the alleged debt associated with the above-mentioned account, as allowed by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g . Pursuant to this law, I am exercising my rights to ensure the accuracy and legitimacy of the debt being pursued by your agency. I am requesting the following information to be provided to me : 1. The original creditor 's name and contact information. 2. Detailed information about the alleged debt, including the amount owed, the nature of the debt, and the date the debt was incurred. 3. Documentation providing evidence of your agency 's authorization to collect this debt. 4. Verification that the statute of limitations has not expired on this debt in accordance with applicable state laws. 5. Copies of any agreements or contracts related to the alleged debt. 6. Proof of your agency 's compliance with all relevant state and federal laws, including licensure to operate as a debt collection agency in my state. 7. A statement confirming that negative reporting to credit bureaus will be ceased if the debt is found to be inaccurately reported. Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If the debt in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of the debt upon my request. Inaccurate or unverified information must be promptly removed or corrected. Please provide the requested information and documentation within 30 days from the date of receipt of this letter. Failure to respond or provide the requested information within the specified timeframe will be considered a violation of the FDCPA and FCRA. Please note that all communications regarding this matter should be in writing and sent to the address listed above. Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request & Accuracy I am writing this letter to formally request validation of the alleged debt associated with the above-mentioned account, as allowed by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g . Pursuant to this law, I am exercising my rights to ensure the accuracy and legitimacy of the debt being pursued by your agency. I am requesting the following information to be provided to me : 1. The original creditor 's name and contact information. 2. Detailed information about the alleged debt, including the amount owed, the nature of the debt, and the date the debt was incurred. 3. Documentation providing evidence of your agency 's authorization to collect this debt. 4. Verification that the statute of limitations has not expired on this debt in accordance with applicable state laws. 5. Copies of any agreements or contracts related to the alleged debt. 6. Proof of your agency 's compliance with all relevant state and federal laws, including licensure to operate as a debt collection agency in my state. 7. A statement confirming that negative reporting to credit bureaus will be ceased if the debt is found to be inaccurately reported. Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If the debt in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of the debt upon my request. Inaccurate or unverified information must be promptly removed or corrected. Please provide the requested information and documentation within 30 days from the date of receipt of this letter. Failure to respond or provide the requested information within the specified timeframe will be considered a violation of the FDCPA and FCRA. Please note that all communications regarding this matter should be in writing and sent to the address listed above. Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe.

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 2023-08-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Throughout the month of XXXX, I have tried to use my American Express gift card at numerous merchants in-person and online. Supposedly, the card should be accepted by any merchant that accepts American Express credit and debit cards. 

Instead, I found that the card was declined everywhere. One store asked me to leave once they saw the gift card. I can only surmise that the cards have become synonymous with scammers or something. 

I called AMEX 's support line to try to get the money stuck on the card usable. I was told to every time to wait for 24 hours and try again with a different merchant. Despite doing just that, I found that no one would accept the card. AMEX support refused to offer any other solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2023-08-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
1.DEPT OF ED {$9300.00} UNVERIFIED/INNACURATE 15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S. Code 1681b ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-08-28 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act the following Creditors have violated my rights : 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 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

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 2023-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Student loan interest was supposed to start XX/XX/2023 and payments will be due XX/XX/2023. Per stidentaid.gov But Navient is charging me late fees for the past 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding inaccurate information on my credit report, as well as violations of the Fair Credit Reporting Act ( FCRA ) by [ Creditor Name ], concerning the following accounts listed on my credit report : XXXX. Account Number : XXXX XXXX. Account Number : XXXX These accounts have been reported with incorrect data that has negatively impacted my financial standing and overall well-being. 

I have diligently reviewed my credit reports and identified these erroneous entries, which allege late payments on the aforementioned accounts. However, I must assert that these late payments have never taken place. The inaccuracies not only damage my creditworthiness but also unjustly implicate my financial responsibility. 

The violations committed by [ Creditor Name ] are as follows : **Violation 1 : Inaccurate Reporting ( FCRA 623 ) ** [ Creditor Name ] inaccurately reported that I made late payments on account number XXXX, in violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ). The emotional toll this has taken on me can not be understated. The mere thought of working diligently to meet my financial commitments, only to be unfairly labeled as someone who neglects their responsibilities, has caused severe stress and anxiety.

**Violation 2 : Inaccurate Reporting ( FCRA 623 ) ** Similarly, [ Creditor Name ] reported false late payments on account number XXXX, violating FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ). The emotional turmoil caused by these inaccuracies is immeasurable. To have my financial integrity called into question due to inaccuracies in my credit report has not only hindered my ability to access credit but has also cast a shadow over my sense of financial security.

I implore the Consumer Financial Protection Bureau to enforce the provisions of the Fair Credit Reporting Act and facilitate a resolution to this matter. The emotional toll of these inaccuracies on my mental health and overall quality of life is profound. I hope that the significance of this story underscores the urgency of correcting these violations and addressing the emotional harm inflicted. 

I kindly request that you intervene on my behalf and ensure that [ Creditor Name ] promptly removes these unverified accounts from my credit report. Additionally, I ask that a thorough investigation be conducted to rectify the damages caused by their inaccurate reporting. 

Thank you for your attention to this matter. I am grateful for your assistance in resolving these violations and helping me regain control over my financial reputation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Reported false information to XXXX and XXXX XXXX This is causing me problems from obtaining personal and business checking or savings account or getting my current accounts closed. XXXX XXXX  has provided a document saying it was verified but Bank of america just provided my electronic signature of agreeing to the terms when first opening the account. This account by bank of america was closed because there was a check that was not deposited by me, or signatured by me uploaded to my account. I received a call from bank of america and confirmed that I had no knowledge and didn't do it. A few days later they decided to close my account after they cancelled/declined the check the day of me mentioning it was unauthorized. This company had no loss or even investigated it properly as in to see where was the check deposited from including IP ADDRESS, LOCATION OR FULLY VIEW THE SIGNATURE THAT WAS PUT ON THE CHECK. THIS FRAUDLENT INFORMATION LISTED ON MY CREDIT SHOULD BE REMOVED. Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If this in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of this upon my request. Inaccurate or unverified information must be promptly removed or corrected. Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( S ), AND VERIFIED ACCURATE BY XXXX ; Reported Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported XXXX : XXXX License : State : Date of Closure : XXXX # : XXXX / XXXX Status : NO MONETARY LOSSClosure Status Date : XX/XX/ Dispute Case ID : XXXX Bank Name : Bank of America Reference # : 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