vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-04 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: IL

Complaint narrative:
I received a new bank card in the mail because my original card was about to expire. On XX/XX/2020 I notice an unauthorized transaction I reported to Chase Bank, they stated they only go back for 60 days. I canceled that card and requested a new bank card also, request for my credit report for all 3 Credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: TX

Complaint narrative:
My credit card was charged {$3000.00} for a downpayment on a Travel Trailer where the loan was not approved. I contacted Chase Bank  to dispute the charge on XX/XX/2020. The Vendor, XXXX XXXX   was able to secure a new loan, so I contacted Chase  to let them know the date I was supposed to pick it up and sign a new contract. They told me the original dispute could not be cancelled without an investigation and would stay open. The travel trailer was defective ( air conditioner didn't work, cabinets peeling, exterior  damage ), so we didn't sign a new contract on XX/XX/2020. I contacted Chase Bank again to let them know I did not sign a contract on XX/XX/2020. I also contacted them again on XX/XX/2020. They stated the dispute had to go through their investigation process. Instead, they cancelled the dispute and allowed the {$3000.00} to be charged to my credit card, based on my call on XX/XX/2020, but completely ignored the multiple calls I made subsequently. They closed the dispute without my knowledge. I never received a letter. In fact, they told me XXXX XXXX had the money and I have been trying to get it back from them since then. Chase Bank made me file a new dispute on XXXX XXXX and fax them the information in writing. I then received a letter on XXXX XXXX ( dated XXXX XXXX ) where they again closed the dispute. Upon contacting them by phone on XX/XX/XXXX after receiving my first letter from them, the representative stated XXXX XXXX had the {$3000.00}. I contacted Chase Bank Disputes on XX/XX/XXXX and requested to speak with a manager. The manager told me they closed the dispute, and also that XXXX XXXX did actually approve the dispute and they don't have the  {$3000.00} in their bank account as I was previously told by other Chase representatives, so the money went back to XXXX XXXX XXXX  Bank ( XXXX  XXXX XXXX ) and there is no remedy other than me paying {$3000.00} for something I didn't purchase and don't have a contract for. In the meantime, I have the {$3000.00} charged to my credit card account with late fees and interest. Chase Bank completely mishandled this dispute. There was no investigation that included me and my phone communications to them to resolve this issue went ignored. I first can't understand how XXXX XXXX could charge my credit card for a purchase that didn't have a signed contract or approved loan agreement for and how their bank ( XXXX  XXXX XXXX ) is allowed to keep the {$3000.00} without any remedy. The manager ( XXXX, Chase Bank  Disputes ) I talked to on XX/XX/2020 stated that is a fact. Up until this date, I had no idea the dispute wasn't handled, or that the money was permanently given to their bank ( XXXX XXXX XXXX ) and they are allowed to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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:
Credit reporting agency keeps reporting a fraudlent account that has not been verfied correctly.I have also filed a indentity affadavit with the ftc on the fraudlent account. The account is XXXX XXXX in the amount of {$560.00}

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 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
Please Read. This is new information. 
AAG did not have permissible purpose to access my credit report. Even if AAG has permissible purpose, AAG did not have my authorization to pay another to access my credit report on their behalf. Why doesnt AAG pull credit reports themselves? 
AAG argues as a person, not as a company, that they have permissible purpose to pull credit per FCRA Section 604 ( 3 ) To a person which it has reason to believe. Who is the person this person at AAG? HOWEVER, to make this worse for the consumer, AAG THEN hires another company, XXXX XXXX to pull a consumers credit report and has XXXX XXXX company attach their name as the one who pulled the credit report.??? So AAG argues they have permissible purpose but hires XXXX XXXX to pull credit who does not have my permissible purpose?? XXXX XXXX openly admits they pulled my credit for their client and refuses to give proof that AAG is their client? 
AND all Credit Reporting Agencies are aware of this happening, but do nothing to stop it. They simply point the fingers at their clients requesting my information. Perhaps the CRAs could institute some policies and requirements to stop this. They are ultimately responsible for consumers information. 
Now a persons information is at risk with AAG, XXXX XXXX and owner, XXXX XXXX XXXX, and all the other companies affiliated. And later all the companies can stand and point their fingers at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
On XX/XX/2020 I woke up to an alert on my credit report from a company titled National Credit Adjust. The debt collector has never sent anything by mail regarding this alleged debt nor have I have any contact with this debt collector. In additional to having no contact with the debt collector, the alleged debt does not belong to me and has been illegally inserted into my credit report obviously causing damage to my credit score and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
This account was open fraudulently. I have no knowledge of this account. Please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
I had my account frozen about XXXX and a half weeks ago I was told to fax in docs I did that but still frozen

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 2020-10-04 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:
There is wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Please Read. This is new information. 
XXXX did not have permissible purpose to access my credit report. Even if XXXX has permissible purpose, XXXX did not have my authorization to pay another to access my credit report on their behalf. Why doesnt XXXX pull credit reports themselves? 
XXXX argues as a person, not as a company, that they have permissible purpose to pull credit per FCRA Section 604 ( 3 ) To a person which it has reason to believe. Who is the person this person at XXXX? HOWEVER, to make this worse for the consumer, XXXX THEN hires another company, Factual Data to pull a consumers credit report and has Factual Data company attach their name as the one who pulled the credit report.??? So XXXX argues they have permissible purpose but hires Factual Data to pull credit who does not have my permissible purpose?? Factual Data openly admits they pulled my credit for their client and refuses to give proof that XXXX is their client? 
AND all Credit Reporting Agencies are aware of this happening, but do nothing to stop it. They simply point the fingers at their clients requesting my information. Perhaps the CRAs could institute some policies and requirements to stop this. They are ultimately responsible for consumers information. 
Now a persons information is at risk with XXXX, Factual Data and owner, CBC Companies Inc, and all the other companies affiliated. And later all the companies can stand and point their fingers at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please Read. This is new information. 
XXXX did not have permissible purpose to access my credit report. Even if XXXX has permissible purpose, XXXX did not have my authorization to pay another to access my credit report on their behalf. Why doesnt XXXX pull credit reports themselves? 
XXXX argues as a person, not as a company, that they have permissible purpose to pull credit per FCRA Section 604 ( 3 ) To a person which it has reason to believe. Who is the person this person at XXXX? HOWEVER, to make this worse for the consumer, XXXX THEN hires another company, XXXX XXXX to pull a consumers credit report and has XXXX XXXX company attach their name as the one who pulled the credit report.??? So XXXX argues they have permissible purpose but hires XXXX XXXX to pull credit who does not have my permissible purpose?? XXXX XXXX openly admits they pulled my credit for their client and refuses to give proof that XXXX is their client? 
AND all Credit Reporting Agencies are aware of this happening, but do nothing to stop it. They simply point the fingers at their clients requesting my information. Perhaps the CRAs could institute some policies and requirements to stop this. They are ultimately responsible for consumers information. 
Now a persons information is at risk with XXXX, XXXX XXXX and owner, XXXX XXXX XXXX, and all the other companies affiliated. And later all the companies can stand and point their fingers at each other.

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 2020-10-04 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander is reporting an account from 2013 on my credit report. I have disputed this account with Santander several times and they removed it from my credit report, but now it has reappeared once again. Santander also has listed a false phone number on my credit report as a contact number I had to XXXX their number to make contact with them. Once I made contact with Santander they advised me that they have no record of me having an account with them, but all my credit reports have this account listed as a charge off and a bad debt purchased by another company I also want any information that Santander has pertaining to any class action lawsuits against them for deceptive practices and taking advantage of customers during the time we were conducting business

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: NV

Complaint narrative:
In or around the end of XXXX, XXXX I noticed an account being reported on 2 of my 3 credit reports. I had ran my reports in XXXX, XXXX and this was not showing on any of my credit reports, now all the sudden in XX/XX/XXXX it is showing and showing a date opened of XX/XX/XXXX in the amount of {$4000.00}. I do not recognize this debt, and I do not believe this is my debt. I disputed this with the credit reporting agencies involved and with this agency as well and the company states that they have verified the debt to be accurate and belonging to myself. I then contacted the company in writing via certified, return receipt, US Mail indicating that this is false reporting and I also demanded copies of the original documents with the original signatures to verify this debt belongs to me and gave the company 30 days from the date of the letter to provide such documents. The company has failed to provide these documents and as of XX/XX/XXXX, 31 days from the date of the letter, I have not received them. I also instructed the company reporting this that if documents were not received within the 30 day time frame then they must remove this item from my credit reports. As of today, they have not done so. If this company says they can validate this debt is mine, then why was it not being reported in XX/XX/XXXX? Also, what gives this company the right to just pick and choose whenever they want to do whatever they want with someone's credit? This company needs shut down!

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 2020-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
Current- Its an App/debit card for teens XXXX XXXX All transactions wired to a XXXX for XXXX at XXXX XXXX  XXXX at XXXX XXXX XXXX at XXXX Deposit from my XXXX sat XXXX for XXXX I cancelled that XXXX at XXXX ( all happening as I was chatting with CURRENT ) XXXX at XXXX. They also hacked in and called me from a number listed on the internet as CURRENTS contact number. They changed my account to be there phone number and their email. In fact CURRENT as of today XXXX still had their email on file and not mine even though I have changed it many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute Equifax XXXX XXXX   XXXX XXXX   XXXX Second Round Equifax XXXX XXXX   XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: FL

Complaint narrative:
There is wrong information 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 2020-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I applied for a home depot business credit card on XX/XX/2020, I never received a denial are approval letter. I contacted XXXX XXXX a customer care representative at home depot and XXXX said she would look over my application but I never heard back from her. I was referred to home depot from XXXX XXXX  which is a company that assist businesses with building their business credit. I received a call from XXXX XXXX on are around XX/XX/2020 and they asked me did I reach out to customer service at home depot, I told the associate at XXXX XXXX that I still hadn't heard from home depot. The associate at XXXX XXXX asked me had I received a denial are approval letter I told them no. The XXXX XXXX associate told me to contact them again. I emailed corporate and received an email on XXXX XX/XX/2020 from XXXX XXXX and XXXX said that she had found my account number XXXX she also stated that my email was probably cutoff I dont see how when I have been receiving all other mail. XXXX said the next step was to place my order. But im skeptical about getting credit with home depot because it took them 5 months to approve are disapprove me. I feel as though that I have been discriminated against. It seems to me that's why home depot took so long to grant me credit.

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 2020-10-04 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$9600.00} to pay off the full balance of my Citi credit card. I have plenty of money in my Bank Account to cover this. I found out today, XX/XX/XXXX, that Citi has my payment on hold, meaning I can not use my credit card. As this is my only credit card, I am currently unable to make any non-cash purchases. 

I was never notified of the hold at all. In fact, I have a confirmation email from XX/XX/XXXX saying the payment went through and I have a confirmation number. 

Citi is saying that the payment is on hold until XX/XX/XXXX. As I have now used up my credit limit because my payment never went through, I can not use my card. As this is my only card, I can not make any non-cash purchases.

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 2020-10-04 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: WA

Complaint narrative:
In XXXX, XX/XX/XXXX, and XX/XX/XXXX I sent requests to Experian to investigate late payments reporting on my report ( XXXX account ). There are two late payments reporting in XXXX and XX/XX/XXXX. This is an up to date account that should not be reporting any late payments. After reaching out to Experian three times they only conducted ONE investigation. The outcome was incorrect. They are not reporting accurate information nor are they responding to disputes in a timely or efficient manner.

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 2020-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt recovery solutions is trying to collect on an alleged debt that is past the Texas Statue of Limitations of 4 years. The debt is too old to be harassed for. The date of Service on the letter is XX/XX/2016. I have been receiving harassing calls and voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX  ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX   XXXX Experian XXXX XXXX   XXXX Second Round XXXX   XXXX Experian 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 2020-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I have mortgage through XXXX. I also have a separate personal loan through XXXX. They were both transferred to Bayview Loan Servicing. During this transfer they listed my other loan as a second  mortgage, which it was not. I had contacted you about this before and the Mortgage was separated from the other loan. Bayview Loan has now become Community Loan Servicing LLC. They also have this separate loan listed as a second mortgage. I need some assistance on this matter.

Company response to consumer: Closed with explanation