vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used my Chase credit card ( Cardmember Services ) on XX/XX/XXXX to submit initial deposit of {$2500.00} to XXXX XXXX XXXX, sister company of Next Level Investments, XXXX. The contract says that the company would charge the initial deposit of {$2500.00} to the card ( provided over the phone ) and the balance after the work was completed. The company charged the entire amount of {$5.00}, XXXX to the credit card without my permission. I sent an email to the company on XX/XX/XXXX informing XXXX XXXX of XXXX XXXX XXXX of this error. On XX/XX/XXXX, I emailed the company again, after he had abandoned the job site without completing the job as per the contract about the fraudulent charge. I have not heard from the merchant. I contacted Chase credit card services to dispute the charge. I sent them supporting documentation and they informed me that the charge is valid because the merchant has my signature. I contested the charge because XXXX XXXX XXXX only framed a third of the house and that I would only pay one third of the bill. I am requesting your help with Chase credit card. If the contract says initial deposit of {$2500.00}, Chase 's decision to uphold the merchant 's request is an indicator that the merchant 's actions are legal and valid. I am willing to pay {$2500.00} as agreed upon but I refuse to pay the full amount that was erroneously charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a valid lease on a property in Foreclosure. I contacted Wells Fargo and notified them several times that the property was not Vacant. They sold the property and Never gave me time to find housing or get my personal property. I am now homeless.

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 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I was called from IQ Data International. They asked me coud they collect n a debt on an recorded line and ask me if I could pay my debt of {$250.00}. I agreed on an automated line that if I paid the debt they would remove the debt from my credit report. I have a letter attached in writing where they agreed to remove it. I looked at my credit report today and they reported the debt as a charge off and did not remove it from my credit report. I called IQ International on XX/XX/XXXX because they are reporting my debt as a charge off when that was not what my agreement was. The rep on the phone said yes they agreed to it but it can take months to remove. My FCRA rights were violated and I want this account removed from XXXX, XXXX and XXXX immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the XXXX Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my experian credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount {$170.00} Comments

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 2018-03-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the XXXX Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my XXXX credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$170.00} Comments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I had a debt with a medical office XXXX XXXX XXXX. It was picked up by " XXXX XXXX '' company. They have never contacted me to discuss about this debt. Now they have put a 2nd mark on my credit saying my old debt is a new debt. So now there is two derogatory marks for the same debt. I don't see that fair and especially since I have had no contact with anyone from this agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Hi a couple of days ago I registered on the American Express website to setup my banking details and unfortunately I put in the XXXX # instead of the routing #. The payment was rejected twice, and just this morning I was able to rectify on line and make my first payment. In the mean time American Express has cancelled my account and won't reinstate it, despite making the payment and correcting the error. 
I have to travel this week for work booking hotels and flights. This is my only credit card as have moved back from XXXX. This will greatly impact my work trip and also ability to make a living. They keep saying I'm ineligible to get in reinstated. Can someone please help me? 
I have been an Amex member for over 25 years, but they still will not take this into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is an account that is on my credit report with XXXX XXXX XXXX that is in a derogatory status. I had paid this account off with another creditor in XX/XX/2014. I contacted XXXX XXXX XXXX  and they advise that they have removed me from their files and they have contacted Equifax and reported to them that the account has been removed. This is still showing on my credit report months later. I tried to file a dispute with Equifax and they report that the account is correctly reported on my file. I have filed a complaint with XXXX XXXX XXXX  and they advise that the issue is resolved on their end ( see attached complaint form from your office. ) I tried a second dispute with equifax and their system will not let me file a complaint online. I am in the middle of trying to purchase a new car and can not because this negatively effects my credit. I have not had any issues like this until the Equifax breech. 
EQUIFAX AND XXXX XXXX XXXX  SEEM TO HAVE INEFFECTIVE COMMUNICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
We have been great Citi card users for the past 5 years and have not been notified of any issues. The account was active as of 2 days ago. However, yesterday during a purchase at a local XXXX, the card was declined. We called Citi customer support and they mentioned that the account has " sensitive '' information that they can't see any additional information and instead asked us to write a letter to a XXXX XXXX XXXX XXXX . 

We elaborated that we were never notified of this through any means ( phone, text, etc. ) and suddenly the account was closed and in XX/XX/2018 - is now asking us to write a physical letter ( turnaround time ~weeks ) to find out more information. XX/XX/2018 - where the advertisement is Citi access through my phone, XXXX, XXXX, online, that we have to now write a letter to find out more is ridiculous on such an urgent matter.

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 2018-03-09 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: CO

Complaint narrative:
I used to have a XXXX XXXX secured card that I deactivated but when I go on to see my credit score on independent websites, it shows that I have a XXXX XXXX credit card since XX/XX/2016 when I have never used any XXXX XXXX card. I filed a complaint with XXXX already and it has been solved but I have a problem Equifax because I don't want that on my credit score. That is my problem and I hope you could help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CA

Complaint narrative:
Starting in XX/XX/2017, XXXX XXXX XXXX at ( XXXX ) XXXX started calling me multiple times a day using threatening verbiage in their calls, sending certified letters, etc. I believe they have contracted with the people at XXXX XXXX ( which isn't the company 's real name and they refuse to give it to me ) at ( XXXX ) XXXX to further harass and threaten me. 

XXXX XXXX XXXX and XXXX XXXX are not the original creditor-XXXX XXXX is. XXXX  XXXX is the only organization that I have to deal with. This wasn't even for a real school-only a coding boot camp.

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 2018-03-09 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: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Began sending letters in XX/XX/2017 to dispute items I believe are not in compliance with the provisions of FCRA and the FDCPA. The accounts in question are Wakefield & Associates and 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 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
XX/XX/2018 they keep calling every day sometimes three or four times a day.

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 2018-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
Yes I received a letter from check into the cash via postal Service. The letter alleges that I owe him a debt for a loan I took out. According to my knowledge and my records I have not taken out a loan with Check Into Cash since the late XX/XX/XXXX or early XX/XX/XXXX. The letter instructs me to get ahold of check into cash within 10 business days to pay in full a loan that I allegedly took out. If I don't get ahold of them within the 10 days they threatened lawsuit and garnishment of wages. The letter also alleges that they've tried to get ahold of me several times which is not true. What the letter does not say is the dollar amount of the debt and the date in which I took out the loan. I'm not sure what they constitute as reaching out to me on this matter. Because the only contact I've ever had with this company in recent years is to forward emails that I have received from them or someone on behalf of them stating that they are going to sue me because of a defaulted loan. In each case I was contacted by the company themselves and told that it was a scam. Outside of that check into cash has not reached out to me on any alleged debt that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ABR Recovery Services LLC.
State: PA

Complaint narrative:
There is an account that is on my credit report with arb recovery services that is in a derogatory status. I had paid this account off with another creditor in XX/XX/2014. I contacted ABR Recovery services and they advise that they have removed me from their files and they have contacted XXXX  and reported to them that the account has been removed. This is still showing on my credit report months later. I tried to file a dispute with XXXX  and they report that the account is correctly reported on my file. I have filed a complaint with ABR recovery services and they advise that the issue is resolved on their end ( see attached complaint form from your office. ) I tried a second dispute with XXXX and their system will not let me file a complaint online. I am in the middle of trying to purchase a new car and can not because this negatively effects my credit. I have not had any issues like this until the XXXX breech. 
XXXX AND ABR RECOVERY SERVICES SEEM TO HAVE INEFFECTIVE COMMUNICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I paid off a credit card with Bank of America and then they took a scheduled payment of {$100.00} that was not owed. I requested a refund of the {$100.00}. Bank of America mailed me a check for the {$100.00} which I cashed at my bank. Then I found Bank of America had stopped payment on the check. When I called and asked them about the stop payment they initially said I didn't cash it fast enough and it had expired. I cashed it the day it arrived. Then they said they had chosen to refund the {$100.00} back through my checking account instead of the check which is why they cancelled the check. There was no communication with me that the check was cancelled. As a result of my taking it to my bank I received a chargeback of {$8.00}. Bank of America should refund this chargeback as it was entirely their fault. 

XXXX XXXX XXXX at XXXX XXXX where I received the chargeback says they will only reimburse me for the {$8.00} if Bank of America will write a letter verifying they cancelled the check and sent the funds digitally instead. So XXXX and Bank of America are both terrible banks.

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 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a re-submission of the original complaint below because this company responded to my complaint with a response to someone else 's complaint, XXXX XXXX ( attached ). I have never defaulted on an account, made a late payment, left a debt on an account or otherwise caused a loss to Chase. Chase should be a little more careful with its customers ' data. I also returned the call placed on XX/XX/18 of the Chase representative assigned to this from the Office of the President,  XXXX, as she was away from her phone, but I never got a call back. The last 4 of my SSN are XXXX. Thank you. 

I am submitting this complaint because this bank is continuing to deny my applications, this time one for a checking account, three years after shutting down a single XXXX XXXX credit card because of too many inquiries. Since this, I also tried to open a XXXX XXXX card and received the denial reason of " Previous unsatisfactory relationship with bank ''. I understand their concerns then since my credit file was a little thin and new but clearly today is different with a > XXXX credit score. I  have never defaulted on a loan or even ever been late with a payment and have thus clearly demonstrated being a good credit risk, at least for a checking account. I opened this account because of the convenience of a branch to my home. I am kindly asking for this to be reconsidered due to the time that has passed and also it being based on actions I didn't even know were a problem. I am submitting this request through the CFPB because it is the only effective way to reach the Office of the President. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
XX/XX/XXXX - I sent notification of dispute by mail to collection agency - Ad Astra Recovery Service regarding the debt being reported on my credit. I received documents by mail with a signature that does not belong to me. 
XX/XX/XXXX - I sent notification by mail to Ad Astra Recovery Service requesting to Cease and Desist in any and all attempts to collect the fraudulent debt and to remove the item from my credit report under provisions of Public Law 95-109, Section 805-C of The Fair Debt Collection Practices Act. 
XX/XX/XXXX - The item remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
In reference to previous CFPB complaint # XXXX dated XX/XX/XXXX and company 's response to said complaint, I still HAVE NOT received my refunds in the amounts of {$620.00} ( security deposit ) and {$170.00} ( overpayment ). Company stated that the refunds have been sent to me 2 weeks ago ( in company 's response to above cfpb complaint # ). Yet I have still not received anything. When I call XXXX XXXX to inquire about the status of my refunds, I just spoke with a XXXX in customer service ( XX/XX/XXXX approximately XXXX EST ) who informed me ( after reading all the notes on the account and having me on hold awhile ) that they no longer have a system where they can see when the refund was issued to me or any type of status relating to it. XXXX says they " used to '' have it but have recently gotten rid of that system. What??? How convenient. She then goes on to inform me that I should get my refund " any day now. '' I was then transferred to XXXX  in the lease department who informed me that he didn't see the {$620.00} amount as a refund or security deposit or that it even ever existed on the account. Basically, I am still being given the run around and have NOT received any refund.

Company response to consumer: Closed with explanation