vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 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: VA

Complaint narrative:
Hello, I reported unauthorized claim to my bank Chase freedom credit card back in XXXX for airlines tickets that appeared on my statement i explained to the bank that i never made any kind airline tickets at that time or my family didnt make any purchase at that time associated with the company listed .I was charged four times {$290.00} XXXX, {$2500.00} XXXX, {$2000.00} XXXX, {$1500.00} XXXX. 
two weeks ago i saw those charged appeared back in my account i called the bank to ask why those charges back in my account they couldn't give me legit reason on why my claim was denied, they keep telling me investigator will call me but i never received any phone call from the bank or they didnt send me letter. chase freedom card want to me to pay full balance without knowing why my claim was denied and they never made attempt to contact the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05 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: AZ

Complaint narrative:
I have incorrect address and name on 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
Consumer complaint received 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked for an investigation into the account shown on the attachment and Experian has been ignoring those request both times and continues to report the data. I am requesting that the incorrect information be deleted.

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 2020-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-12-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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 2020-12-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX..Today I was a victim of fraud. Wednesday night with my family seeing santa claus when I get a alert that my account has went below XXXX dollars my account balance at XXXX dollars when knowing I had XXXX in my edd debit card. Someone first did an inquiry at a BofA ATM than withdrew XXXX than XXXX leaving me at XXXX dollarsand having my card on me an as you can imagine its rent week and XXXX is right around the corner and this happens to me. So I call the number on back of card and get put on hold for 3 hours just to get hung up on than I call back to make sure card I'd cancelled and try to get transferred to claims department than they say it closed at XXXX. So for my own protection I made a police report asap hoping this will help now I cant sleep it is XXXX and I cant stop thinking how I'm going to pay my Bill 's and buy my kids XXXX gifts : ( is anyone in the same boat as me I just feel so stressed. I'm not giving up tho but i feel something needs to happen about all of this and BofA needs to have better security policy for all this. I'm depending on the edd money right now with everything that is going on in this world now this I'm just disgusted at the people that would take from the people that dont have much and have family. Now I made the claim and made a police report 2 days later which is today I call to check on my claim and they said it has been closed as well and my account at BOFA saying the edd closed it due to fraud and they closed my claim as well this mad e me stress more now I had to fax over a copy of my ID and claim number to ensure my claim gets reopened!!

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 2020-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have incorrect address and name on 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
Consumer complaint received 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have incorrect address and name on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Constar Financial Services, LLC
State: AZ

Complaint narrative:
Account was closed XXXX 2018 after it was repossessed unknowingly. There is an amount for {$4600.00} left over on the account. I later found out from my credit report that it was sold at an auction. I didn't didnt get any letters or notices stating the delinquents. Nothing stating the reposition nor that it was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB
State: TX

Complaint narrative:
So on XX/XX/2020 I had bought a high ticket item off XXXX for XXXX using Klarna as the lender. When I received said item it was not as described. I had gotten scammed and fraud by somebody online. They had changed my name and my address on there to hoping I wouldn't get it and would lose the package and all my money. I was able to get the package from the post office. I opened the package and it was a bunch of fake cards in there I had recorded the opening because the cards were not welt felt like they should have been. I have records of the call logs and messages on XXXX. I called Klarna to get my money back and said they don't and you can only get the money back from the platform or the seller. So I told them to freeze the money and they did. I opened a case with XXXX  and they closed it. Because they said I did a chargeback which I didn't all I did was freeze payment closed the case I have been going back and forth with them to get my money back and Klarna has been no help at all. I'm losing XXXX, I'm stressed, Im getting XXXX, and XXXX  over this. I just want to get the refund and move one. I'm stuck in a rock and hard place and nobody seems to help and it isn't right at all. I even reported for mail fraud with united states postal inspection service and also reported with my attorney generals office. I have all the evidence and even still have the packaging. I Just want Klarna to do what is right and I can get my money back and move on. I have video evidence of me opening the package and I still have the package in my possession as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Dear FDIC, I am once again writing this complaint in dire need of my original complaint to be resolved ID : XXXX. I expressed to Citibank that my family and I are in desperate need of the {$50000.00} I deposited in my interest checking account in XXXX. My mother and I both opened new accounts in XXXX in order to obtain a {$700.00} promotion Citibank was offering. Citibank had closed my account without notification/notice in XXXX, and have since prevaricated giving me the total sum that I deposited for the past 3 months that I have been speaking with them. I am constantly transferred to a different line, hung up on, and told that a check will send that ultimately, they couldn't even give us a tracking number for or proof of it being sent. The most recent conversation I had with a representative at my local citibank, suggested that instead of mailing me a check, they would add me to my mother 's recently opened account so that the {$50000.00} could be transferred to our joint account. After promising us that this transaction would be cleared on Thursday ( XX/XX/2020 ), the money has still not been transferred. The representative from my local bank spoke with a corporate representative, who stated today ( XX/XX/2020 ) that the back office needed to clear the money to be transferred, but this is the exact same back office that has not sent us the money in the past, and are now saying that the money is in a ledger. 

I do not understand why Citibank is holding onto my {$50000.00}. This issue has gone on for far too long and my family needs the money to survive in these dark times. Their negligence to our needs is irresponsible, effortless, and morally reprehensible. We need the FDIC now more than ever to bring this situation to light. 

I hope to hear from you soon.

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 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
The mortgage lender submitted the 1Q 2020 tax payment with an incorrect reference number and my city was unable to credit my property tax account. I've spent approximately 40 hours on the phone with the mortgage lender over the past year trying to remedy the situation. Each subsequent quarter, the mortgage lender submitted an incorrect amount resulting in our account being continuously overdue throughout the entire year. We've received delinquency notices monthly all year and finally the week before XXXX we received a notice of tax sale on our home. The lender finally acted, though once again did not pay the correct amount. Rather than waste my time and energy, I went down to city hall and paid the difference myself. To clarify, my mortgage lender did not pay 1Q 2020 property taxes that were due on XX/XX/XXXX2020 until XX/XX/XXXX. 

Now that this tax issue is sorted out, we've received an escrow disclosure statement where it is evident that the mortgage lender is attempting to charge late penalties to me. I was assured repeatedly throughout the year that the lender would be solely responsible for paying any penalties. It is my understanding that the reason I pay monthly escrow payments is so that the lender can make accurate and timely property taxes. Instead, the lender has wasted my time, caused XXXX  and XXXX, repeatedly made property tax payments incorrectly, late, or not all and is now attempting to charge me for their error. To add insult to injury, they are asking me to pay an escrow deficit of {$4400.00} by XX/XX/XXXX. 

I am at my wit 's end with this lender and I do not know where to turn. I have filed complaints with the XXXX  twice that have not resulted in anything outside of a letter from the lender indicating that they are reviewing my account and will get back to me on regarding my inquiry soon. I can't go through this for another year let alone another XXXX years of my life.

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 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2020-12-05 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED 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 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Fortiva credit card has violated the federal Equal Credit Opportunity Act by discriminating against me and open up in a credit card and also by not allow me to dispute the decision in the decision process making of issuing me a credit card by not allow me to dispute the credit card companies decision they have caused further Financial discrimination

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: SC

Complaint narrative:
World Finance company added a invalid charge off to my account. It states that I owe them a balance of {$470.00}. And my last payment was XX/XX/XXXX. I never made a payment to them and i never open this account. 

I had a charge off with them and {$260.00} was remaining. Below is the attached from that.And that account was in XXXX. Why are two balances reporting to My credit report? Please delete this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
In the beginning XX/XX/2020 I received a notification on my credit report of a collections debt from IC System. I didn't know what the debt was about because I did not receive any mail pertaining to this. I called and was told it was from XXXX  bill owed. I have never had a XXXX  account and know nothing of this debt. I proceeded to write a letter on XX/XX/XXXX and sent via certified mail to ask them to verify the debt and explained to them I do not have an account number because I was never given a letter. They wrote me back saying they needed an account number to verify the debt and that the account number can be found on their website. I was able to obtain the account number and sent another letter on XX/XX/XXXX with their letter and my original letter as requested by them via certified mail and again asked them to verify the debt within 30 days and if not to delete this off my credit. They received the letter on XX/XX/XXXX and to date I have not received a verification of the debt and it has not been removed 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
Consumer complaint received 2020-12-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank sent a letter stating they are closing my account. Their decision is based on " activity on accounts with Synchrony Bank indicated of high risk of failure to pay. When I spoke to 2 associate and a supervisor they kept going around how they took my financial debt history and creditors and based on my history they feel that I won't be able to pay the Bank. I even told them, I understand that when I signed up the bank has the right to close my account if I am the consumer who is not paying the debt on time or abusing it. But I do pay my bills on time and more than what I owe. So I asked them to help me understand why they are labeling me as a high risk of failure to pay. I want the report a copy of the report they used on me. 

I told them that their study on me are wrong based on these factors and that they insulted me : 1. I am paying my bills on time and more than what the minimum fee requires. 
2. The Bank gave me 60 months to pay the debt with 0 % APR.

3. My account history has been good and no negative note or any late fee has been charged on me. 

When I asked for the report that they told me, they can not provide the report that I need to connect with CFPB. I asked for the information and they said that the letter gave detailed information. I said that is another lie as it only has the mailing address of CFPB. I knew the associate would say " XXXX '' the information. So I said : if this is a very detailed information then where is the website or phone numbers on this letter. This letter is not detailed at all. So I have to do my own research just to connect with CFPB. I asked them to send me a letter as they will report this information to the credit with a negative effect on me when it is not. Their " study '' data on me are false. My credit history are good and it's just this Synchrony Bank that is giving me the negative report when it is untrue

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