vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was notified on Friday,, XX/XX/XXXX that there were possible fraud charges on my account. When I looked, fraudulent activity, totaling {$450.00} in varied amounts had been taken from my account and I was notified when the perpetrator tried to process a 5th transaction for another {$50.00}. I called the bank. I was on hold for an hour and 20 minutes and when I called another number on the other phone line, i was told that the reason i was on hold on the initial transfer was because I was transferred to a call center that was already closed. The person i finally spoke to ( still Friday night ) said he can't cancel the transactions because they were through XXXX XXXX directly to a Visa. But he could process a claim and in the mean time provide provisional credit totaling {$450.00} and I should see the credit within 12 hours. It's now Monday, XX/XX/XXXX and I called this morning to find out about the credit. I was on the phone for an hour and 10 minutes. I was told that they can't cancel the transaction ( which is still pending ) but in order to receive the provisional credit, i have to wait for it to clear which can take 3-5 business days. So they won't/are n't able to cancel it ( by their own admission ) but they can allow it to clear ( also by their own admission ). I rarely have an fraudulent activity on my account and 5 business days ( which typically lead to the 6th business day ... meaning over a week from now ) is a long time to go without with which to pay my bills. I don't make a lot so {$450.00} is a lot for my household. In fact, my husband is on furlough because of COVID so {$450.00} matters in my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I had a XXXX XXXX XXXX that was returned to Kia in XX/XX/XXXX, and another lease was started for my XXXX XXXX XXXX. At the dealership, I was told that all payments made that day would include last payment for XXXX XXXX as well as first payment for XXXX XXXX. Four months pass, and my credit score drops around 70 points. I see that I have late payments for the XXXX XXXX XXXX account because the last payment was not made. Unable to clarify with the Dealership and Kia motor Finance, I decide to make the last payment at that time and close the account. However, there continues to be an {$18.00} balance from Kia Motor Finance on my credit report. Everytime I call Kia motor finance, I get a different answer saying they don't see it on their side, another agent sees it and says he will contact the credit agencies, and another agent today says I should be " thankful '' my credit report shows {$18.00} because to her, it shows {$16000.00} and that the dealership never processed the car as returned. There is absolutely no transparency in Kia and never a clear answer to their mistakes. I called the dealership and conveniently, the manager and agent that sold me the car are fired, and still have not been able to settle the issue with Kia.

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 2020-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute with TransUnion and tried to upload documents. Their website was not allowing me to associate the uploaded documents with the dispute as they required, so my uploaded documents didn't transmit. I called on XX/XX/XXXX and said I needed this dispute resolved as it was affecting my credit score substantially and I was trying to refinance a mortgage. 

They said the only way I could submit additional documentation was via U.S. mail to Pennsylvania which certainly wouldn't help expedite anything. They said adding additional information could extend the time as well. It is truly one of the worst customer service experiences I've had in many years. They do not care at all about expediting resolution of disputes and are still stuck in the 1950 's with postal mail.

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 2020-07-27 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: GA

Complaint narrative:
This is not 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 2020-07-27 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: TX

Complaint narrative:
showing wrong address they won't remove well its why the FTC violation occurred XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-07-27 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: Self Financial Inc.
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America overdrafted my account for {$300.00} on purpose to profit by charging a {$35.00} overdraft fee. The order was canceled and the merchant credited my account. Bank of America did not reconcile the transactions and charged my account again for {$300.00} despite the credit from the merchant just so the account would overdraft and change the {$35.00} 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 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2020 I used the application from CHASE to purchase a dog, XXXX is offered by CHASE bank to transfer money. I used because is offered by my own bank and transferred money to another CHASE account holder which resulted to be a scammer. I send {$1000.00} XXXX in exchange for a dog, but did not received any goods in exchange

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TX

Complaint narrative:
showing wrong address they won't remove well its why the FTC violation occurred XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-07-27 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: GA

Complaint narrative:
This is not 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 2020-07-27 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: GA

Complaint narrative:
This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a debit card from US Bank for unemployment benefits. I never applied for XXXX   and I activated the card thinking it was a stimulus card. I want the card deactivated,

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 2020-07-27 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$6100.00} XXXX  XXXX {$2300.00}

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 explanation
Consumer complaint received 2020-07-27 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$6100.00} XXXX  XXXX {$2300.00}

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 explanation
Consumer complaint received 2020-07-27 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-07-27 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-07-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2020-07-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2020-07-27 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
I have recently decided to start looking into my credit score, I had it ran, saw the auto loan was on my credit and needed it removed. I sent Credit Acceptance corp a request for information on the loan on XX/XX/XXXX, it was received via certified mail XX/XX/XXXX. On XX/XX/XXXX, also via certified mail, they received a request to remove the claim on my credit. As of XX/XX/XXXX, I haven't received any response from credit acceptance,

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 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a credit card that I applied for with Chase bank 10 years ago ... At the time I was in my XXXX 's not really understanding the importance of good credit. I am now XXXX years old and decided that I want to pay off all of my debts. I do not want to owe anyone or any bank any money ... My credit score is currently XXXX and I am working hard to bring my score up even higher and possibly re-apply for a chase credit card. I have been trying to contact Chase bank about this 10 year account to pay it off but they lead me to a company that no longer has this account. They are telling me that the account is lost in files. and they are unable to accept a payment from me. 

( I DO NOT REMEMBER THE COMPANY NAME BUT I DO HAVE THERE NUMBER ) XXXX LAST 4 NUMBERS OF THIS CARD IS # XXXX So I decided to call Chase back to see if they are able to accept this payment of {$500.00} dollars because I just want to pay off my pass debt with Chase bank.. They are telling me that they are unable to accept a payment from me because this account is no longer with Chase Bank ... 

This account is hurting me financially and mentally because its being reported as a collection once Chase pulls up my name in there system. I am no longer in my XXXX and I dont deserve to be looked at as some one who has an account that is in collections if Im actually really trying my best to pay off my debt ... I also have three accounts with Chase Bank. Two business accounts and one personal account that brings in cash flow so I feel like they shouldn't treat me like this ... 

I spoke to a representative, a supervisor, a manger, dispute office and no one is able to help me!!! 

I tried to get Chase Bank corporate phone number from the manger on duty but he was unable to give me that information ... I am completely lost and dont know what else to do about this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been trying to get my refund approved from Chase BankXXXX XXXX XXXX XXXX supported by Chase for the last 3-4 months. The airline keeps me redirecting to Chase and Chase does the same thing. My money ( points ) are being held hostage despite the fact that both US DOT and XXXX XXXX XXXX mentioning that customers are eligible for a full refund when a flight is canceled by the airline themselves. I even got an email from XXXX XXXX, XXXX " refund of your ticket to the original form of payment which can be obtained by contacting XXXX  Call Center at XXXX '' ). Obviously, they do not respond when I try and reach out to them. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: C & M Associates Group, Inc.
State: PA

Complaint narrative:
repeated phone calls weekdays and weekends, early morning, late evenings sometimes after XXXX, calls received on cell phone and job phone. Threats regarding, bench warrant for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2020-07-27 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: AR

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report.

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