vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2019 someone used a replacement card Chase had sent to me that I never received to charge {$3000.00} at XXXX XXXX XXXX XXXX # XXXX. Chase had flagged this as potential fraud via an e-mail and text message. I responded to both that yes, this was fraud. I immediately called the number Chase provided via text XXXX. 

My card was then locked and a replacement was air mailed to me, expecting it to arrive XX/XX/2019. The representative had asked me if I still had my card, in which I responded with yes. She looked at my account again and realized they had sent me a new card ( mine was set to expire in XX/XX/XXXX ) that should have arrived last week. I had never received it. 

Somehow someone had intercepted my card in XXXX and used it. Since she informed me the purchase at XXXX 's was with a chip. Clearly there are very lax rules around activation if they were able to use my card while I had the original and had used it the day before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
I obtained my yearly free credit reports from all 3 credit bureaus and noticed Commonwealth Financial listed. I disputed them and had them removed but they have since reported yet again and used a new date to prolong the report on my file. I have no knowledge of this debt and have never received correspondence from them in the mail regarding this debt. Each time they report the debt to the agency my score goes down. They were removed recently in XX/XX/2019 from XXXX and immediately reported to XXXX directly after being removed from XXXX. They need to be immediately investigated for their practices

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) 2 ) XXXX XXXX ( XXXX ) XXXX ) XXXX  XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) XXXX ) XXXX ( XXXX ) 11 ) RXXXX XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) 14 ) 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 2019-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX I had a employee steal Me from my class to sign papers threatening me If I didn't take out more loans I would be kicked out. I was gullible and naive not to read the fine print. The quality for education wasn't worthy of the loans plus interest. This school is a scam. The school is responsible for me taking out both loans. Also my credits didn't transfer to grossemont

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I demand under FCRA and FCDPA LAWS, VERIFICATION OF VALIDATION OF PAYMENT HISTORY DOCUMENTATION AND DATES & NOTORIZED DOCUMENTS OF RIGHTFUL OWNERSHIP OF NATIONAL CREDIT ADJUSTERS OF ALLEGED ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 our CITI Mastercard was fraudulently charged {$5000.00} by a company we do not know. This company is presumably in XXXX, XXXX, but XXXX turns up nothing. We were in XXXX at the time and used this card for most of our purchases. We reported fraud to the credit card company. In response, the company 's letter sent to us on XX/XX/XXXX states " Valid charges were made with the credit card issued in the name of [ my name ] both before and after disputed charges. We acknowledge your situation ; however, credit will not be issued for the item ( s ) in dispute ''. I called the company on XX/XX/19. When I tried to argue my case with their fraud department, I was told that, since the physical credit card was used in the transaction, we must have done the charging - case closed. It is possible that, by mistake, we let a vendor handle the card without our direct supervision which is common in the US. So it is entirely possible that someone ran the card through two card registers - one for a legitimate purchase and one for a fraudulent charge.

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 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
This debt collector removed reporting from 2 out of 3 Credit bureaus I want it to be removed from XXXX as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried opening an account at Wells Fargo for a checkings/savings account for work. I had this bank before and it wasn't such a problem but was closed and tried making a new account last week and they said That they were unable to open an account with them and that in a week or two I'll be receiving a letter from them which is your agency and I'm a bit confused on what to really to look for to fix this so this is my best soluting thank you I'll be looking forward to hearing from you 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 2019-06-27 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: AL

Complaint narrative:
I submitted a dispute with Experian XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 Experian removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from Experian, XXXX, XXXX. To date this information still remain ....

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 2019-06-27 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX   ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) US Dept of EDU (XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: KY

Complaint narrative:
Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) GXXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX (XX/XX/XXXX ) 8 ) US Dept of EDU ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX (XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/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 2019-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI

Complaint narrative:
I demand under FCRA and FCDPA LAWS, VERIFICATION OF VALIDATION OF PAYMENT HISTORY DOCUMENTATION AND DATES & NOTORIZED DOCUMENTS OF RIGHTFUL OWNERSHIP OF XXXX XXXX XXXX OF ALLEGED ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX am filing this complaint to speak to someone at Capital One in the Executive Officer level of doe to my Capital One account being close due to misrepresentation, misinformation. I  was contacted by several different Representatives that gave me conflicting information towards the status and require/request information. I was call on or around XX/XX/XXXX or XXXX by a fraud rep I was told that I needed to send in a copy of my Authorized Users ID and SS cards on my account. I told the reps that it was not fraud and not a issue. I was under the impression I only needed to send in the current Authorized Users on my account. A few days later another rep told me I needed to upload proof of addresses for the Authorized Users. Then another time I needed to send in front and back of IDs for users that have been on my account from a few years ago than 25th I was told that I was Permanently Restricted from both my accounts. I wasnt told why or what else I needed to do. I was dial transferred to rep after rep and never give enough time or proper information to provide the needed documents to release my account. I was very confused as to what was needed and I sent in the wrong information do to human error on the two separate account the account in question was not the right account that I sent in the Authorized Users ID and SS for. I was give 18 names to provide information for on my XXXX XXXX XXXX XXXX this account is what names I was give. I have another account that is XXXX XXXX XXXX XXXX this was the account that was in question and what I uploaded was Authorized Users that were not on this account there was a ton of misinformation and my account never was resolved and I was not allowed to remedy the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: KY

Complaint narrative:
My car was broken into identity was stolen and I believe all of these fraudulent unknown and unauthorized accounts derived from that. I'm asking that this credit reporting agency Experian will remove the following accounts from my credit file immediately. 

1 ) XXXX XXXX XXXX {$180.00} 2 ) XXXX XXXX {$600.00} 3 ) XXXX XXXX XXXX XXXX {$690.00} 4 ) XXXX XXXX XXXX {$8200.00} 5 ) XXXX XXXX XXXX XXXX 6 )  XXXX XXXX {$3300.00} 7 ) Dept of ED/XXXX  {$4800.00} 8 ) Dept of ED/XXXX   {$2400.00} 9 ) Dept of ED/XXXX {$1100.00} 10 )  Dept of ED/XXXX  {$3500.00} 11 ) Dept of ED/XXXX {$130.00} 12 ) Dept of ED/XXXX   {$5400.00} 13 ) Dept of ED/XXXX {$3500.00} 14 ) Dept of ED/XXXX {$7700.00} 15 ) Dept of ED/XXXX {$3200.00} 16 ) Dept of ED/XXXX   {$2300.00} 17 ) Dept of ED/XXXX  {$1300.00} 18 ) Dept of ED/XXXX {$3100.00} 19 ) Dept of ED/XXXX {$6100.00} 20 ) Dept of ED/XXXX   {$1300.00} 21 ) Dept of ED/XXXX {$6200.00} 22 ) Dept of ED/XXXX {$640.00}

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 2019-06-27 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: AL

Complaint narrative:
I submitted a dispute with XXXX  XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 XXXX removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from XXXX, Transunion, XXXX. To date this information still remain ....

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 2019-06-27 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: AL

Complaint narrative:
I submitted a dispute with XXXX XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 XXXX  removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from XXXX, XXXX, Equifax. To date this information still remain ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: CarMax, Inc.
State: LA

Complaint narrative:
CarMax refuses to remove a fraudulent account from my credit report after they allowed someone to use my state driver 's license and personal information to borrow an auto loan. I was not in the country hen the contract was signed and CarMax fail to remove their negative account from my credit report. 

PLEASE READ THE ATTACHMENTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
When I opened my account, it was through a rewards program with XXXX - Immediately after the bank decided to close the account ( without notifying me ) all of the accumulated rewards were deleted on the XXXX website. I consider this to be a breach of contract. Eventually, XXXX was able to recover the account that was removed when the credit card account was, but not before the loss of earned points. After this, I also started to have problems with making payments. I go to make a payment online, and their system says : " MAKE PAYMENTS Error Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. Please try to access the site again later or call Customer Service for assistance. '' And, miraculously, there are no problems paying AFTER the payment is late and they have charged me a late fee. I neglected to print every occurrence of this error, but I have proof at least that on XX/XX/2019 I attempted to make a payment prior to the due date of XX/XX/2019, and was prevented from doing so in this way, resulting in a late fee.

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 2019-06-27 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have a hard pull on my credit report from this company called SYNCB on XX/XX/2019 I dont know wheres this from.

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 2019-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Gentlemen, Please contact me regarding the fraudulent activity that I have reported numerous times to no avail. I have contacted Capital One, XXXX, XXXX, and XXXX  and have disputed this multiple times, in which Capital One reports valid. This is not the case. 
I am requesting the recorded phone calls for training purposes be reviewed by your escalation liaison.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-27 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: FL

Complaint narrative:
Gentlemen, Please contact me regarding the fraudulent activity that I have reported numerous times to no avail. I have contacted XXXX XXXX, XXXX, Transunion, and XXXX and have disputed this multiple times, in which XXXX XXXX reports valid. This is not the case. 
I am requesting the recorded phone calls for training purposes be reviewed by your escalation liaison.

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 2019-06-27 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: FL

Complaint narrative:
Gentlemen, Please contact me regarding the fraudulent activity that I have reported numerous times to no avail. I have contacted XXXX  XXXX, Equifax, XXXX, and XXXX and have disputed this multiple times, in which XXXX XXXX reports valid. This is not the case. 
I am requesting the recorded phone calls for training purposes be reviewed by your escalation liaison.

Company response to consumer: Closed with explanation