vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX there was a fraudulent debit card transaction on my account for {$140.00}. I notified Chase the day it occurred, XX/XX/XXXX. Chase has refused to reimburse my account in any amount for this fraudulent transaction, in violation of federal law. 

I reported this previously. Chase responded on XX/XX/XXXX. In their response letter, Chase falsely stated that I used by debit card after it was reported stolen. What actually happened was that I had previously verified with Chase the last valid transaction for {$1.00} at a gas station, on XX/XX/XXXX before the fraudulent transaction took place, and where I believe the theft of my card occurred. 

In the same letter, Chase advised me that I had the option to dispute this further. I was instructed to contact the executive office. When I called ( XXXX ), I was referred to someone named XXXX ( ext XXXX ) who was handling my case. I attempted to contact this person 3 times by phone, leaving voicemails with my information each time, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of my calls were returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: GREAT LAKES
State: WA

Complaint narrative:
All student loans were consolidated back in XX/XX/2017. 

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated. 

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and Great Lakes Student Loan servicing still shows me INCORRECTLY in Default! 

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay  for my XXXX  school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information! 

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I reached out to XXXX XXXX loan officer for chase bank, ID # XXXX, in connection with a home refinance loan. After many emails back and forth discussing credit, income, and fico score specificities, Mr. XXXX said via email, based on your information, and after speaking with my manager, we are able to provide a loan to you. Believing that Mr. XXXX, acting on behalf of chase bank and its affiliates, requested my personnel loan application for loan process. I then provided my personnel information, and a credit pull was executed on my credit file. Again, Mr. XXXX ensured me that he would begin work on my loan immediately. However, after 4 days past, I was still inquiring for a response back from chase regarding the loan process, by which Mr. XXXX finally responded and said, sorry, credit was denied. When I asked why, he stated, rates change everyday. I believe that Mr. XXXX, and Chase Bank made misleading and false promises Im order to acquire my private information, and then deliberately lied to me, and discriminated against me for no apparent reason. I am a very credit worthy person, with many current and on time payments, income, and fico score. Mr. XXXX and chase bank have damaged my credit file, and also made false and misleading promises in order to acquire my information, and then denied credit of merits that did not pertain to me. I demand that chase bank remove the inquiry on my credit file, and compensate me for causing damage to my credit, and creating a negative impact to my ability to achieve my credit goals. This is based on the evidence I have in emails sent to me directly. This is a blatant and malicious act that must be addressed and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
All student loans were consolidated back in 2017.

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated.

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and XXXX XXXX XXXX XXXX XXXX still shows me INCORRECTLY in Default!

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay for my graduate school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information!

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
All student loans were consolidated back in 2017. 

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated. 

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and XXXX XXXX Student Loan servicing still shows me INCORRECTLY in Default! 

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay for my graduate school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information! 

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: LEXISNEXIS
State: WA

Complaint narrative:
I have sent dispute letters certified receipt and asked Lexus Nexus their method of verification of a bankruptcy they list under my name in which they have not responded to within 15 days, they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
When I first joined the military I did a lot of pointless spending and therefore reached out to get a debt consolidated loan from prosper to put all my debts into one loan. Now Im discharging out the military and will not have steady income as of right now, so the payments of {$750.00} each month will be too much pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello my name is XXXX XXXX, Okay so I opened up my very first account with capital one, I applied for the secured credit card with the minimum XXXX $ deposit I deposited XXXX $ & the 3 months later I was able to get another secured card from capital one & I deposited XXXX $ for that one. In just a about a year my credit was great & was building up also because I got my first car which was financed it was a 2015  XXXX XXXX XXXX $ which I never made any late payments on neither did I ever make any late payments on my credit cards either. Then right before I was booking a trip to the XXXX XXXX since i had not seen my family in about 7 years i spontaneously got both my cards canceled & when I called the bank to ask why they canceled my accounts they didnt give me a reason & told me I still had to pay my remaining balances which were only 30-40 % out of my limit but I even asked if I payed it off which in total was like 7 or 800 $ if they would reopen my accounts & they told me no & that I am welcome to re apply for another card.. so honestly being that I was leaving in a week to see my family I didnt even want to care about that anymore & I thought I would be able to handle it when I got back but I ended up staying there for about 6months & that ruined my credit which I why I am in the situation that I am in now & id really love a miracle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello my name is XXXX XXXX, Okay so I opened up my very first account with XXXX XXXX, I applied for the secured credit card with the minimum XXXX $ deposit I deposited XXXX $ & the 3 months later I was able to get another secured card from XXXX  XXXX & I deposited XXXX $ for that one. In just a about a year my credit was great & was building up also because I got my first car which was financed it was a XXXX XXXX XXXX XXXX $ which I never made any late payments on neither did I ever make any late payments on my credit cards either. Then right before I was booking a trip to the XXXX XXXX since i had not seen my family in about 7 years i spontaneously got both my cards canceled & when I called the bank to ask why they canceled my accounts they didnt give me a reason & told me I still had to pay my remaining balances which were only 30-40 % out of my limit but I even asked if I payed it off which in total was like 7 or 800 $ if they would reopen my accounts & they told me no & that I am welcome to re apply for another card.. so honestly being that I was leaving in a week to see my family I didnt even want to care about that anymore & I thought I would be able to handle it when I got back but I ended up staying there for about 6months & that ruined my credit which I why I am in the situation that I am in now & id really love a miracle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: AZ

Complaint narrative:
I have disputed and called Experian because they have the same account listed twice, they refuse to remove the original creditor. I tried again to dispute it and it won't let me because it was already disputed. Per law, an account is not allowed to be on my credit report to ding it twice. The original account is XXXX XXXX, the collection account is XXXX XXXX XXXX. It has the same account number which is XXXX .... I want the original creditor removed. it is not right that they keep telling me they can have both accounts on there, for the same {$550.00}.

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 2019-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I failed processed the payment {$52.00} for purchase sweater from XXXX XXXX from online although they have this option, but I been noticed 2 weeks later said I was not able to processed it even I saw website shown the payment was successfully processed. One month later credit shown I have late payment and additional interest was+ {$28.00}. I payed with mailed check all of them I even over pay another {$28.00} which means I pay for the interest total {$52.00} for a {$52.00} dollar purchase. I remembered the due said I owe them $ XXXX. Now another 5 months later they sent via email says I owe another {$52.00} dollar. This is insane. Like I am paying a monthly payment for a furniture! But I just bought a sweater! This situation is ridiculous!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2019 I made an ATM cash deposit at Bank of America ( XXXX XXXX XXXX XXXX, XXXX XXXX, AZ. XXXX ) after hours. The deposit was for a sum total of {$6900.00}, consiting of 69 bills of {$100.00} the machine allows for a maximum of upto 75 bills. The machine took in all that money, proceeded to count for a few seconds before displaying an error message and handing out a recipiet the recipet mentions that there's been an error but does not mention the {$6900.00} amount and instead shows a mere {$300.00} deposit. 

I tried reaching the bank on their helpline, and other numbers I got from the internent, but could not speak to a human voice. At this point I am really worried about the money, dont know what to do as BoA seems to be unreachable. 

This is extremely nerve wracking

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed the accounts XXXX, Equifax and XXXX are reporting that are not mine and have requested they validate my accounts per Sections 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 616, and Section 617 of the Fair Credit Reporting Act. Per the first letter I sent to the 3 credit bureaus, XXXX adhered to federal laws and guidelines and deleted the account that is not mine but Equifax and XXXX continued to claim they have verified the accounts although I requested for validation, not verification. I disputed the account 6 times and even contacted the creditors who haven't responded back to me but Equifax and XXXX refuses to abide by the Fair Credit Reporting Act. This is my last resort and am hoping that the CFBP uphold the laws and request they provide me with my signature that is allegedly on the original contract to this account or delete it, or I am going to file a lawsuit against them which I will do if they do not delete the account that does not belong to me. I have kept a perfect record of all of the disputes I sent out - certified mail receipts, notarized documentation, etc. This one account is extremely damaging to my credit and has been causing me to not be able to move into a home because they refuse to validate or remove it. Please help me hold them to the standards of the Fair Credit Reporting Act and delete the account that is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the accounts XXXX, XXXX and TransUnion are reporting that are not mine and have requested they validate my accounts per Sections 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 616, and Section 617 of the Fair Credit Reporting Act. Per the first letter I sent to the 3 credit bureaus, XXXX adhered to federal laws and guidelines and deleted the account that is not mine but XXXX  and TransUnion continued to claim they have verified the accounts although I requested for validation, not verification. I disputed the account 6 times and even contacted the creditors who haven't responded back to me but XXXX and TransUnion refuses to abide by the Fair Credit Reporting Act. This is my last resort and am hoping that the CFBP  uphold the laws and request they provide me with my signature that is allegedly on the original contract to this account or delete it, or I am going to file a lawsuit against them which I will do if they do not delete the account that does not belong to me. I have kept a perfect record of all of the disputes I sent out - certified mail receipts, notarized documentation, etc. This one account is extremely damaging to my credit and has been causing me to not be able to move into a home because they refuse to validate or remove it. Please help me hold them to the standards of the Fair Credit Reporting Act and delete the account that 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 2019-05-14 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: CA

Complaint narrative:
On a letter dated XX/XX/2019 I had requested pursuant to Section 609 ( a ) ( 1 ) ( A ) for TransUnion to provide physical verification of the item on my credit report listed as BK Court XXXX California I had also objected to two hard inquiries on my report that were not authorized. One by XXXX XXXX XXXX and the other by XXXX XXXX. I sent this letter certified return receipt and it was delivered XX/XX/2019. I received a letter back dated XX/XX/2019 stating that the results had been verified as accurate. However TransUnion never provided physical verification as required by law. 

On a letter dated XX/XX/2019 I submitted a second letter pursuant to section 609 ( a ) ( 1 ) ( A ) requesting additional information and again for them to provide physical verification as required by law. Again I sent the letter via certified return receipt and it was delivered on XX/XX/2019. On a letter dated XX/XX/2019 TransUnion advised that the item in question as listed above was verified as accurate. But again as per the law they did not send me the required physical proof that they have in their files. At this point they also told me that I had requested to opt out of their promotional list which I had not requested. 

On XX/XX/2019 I submitted a third written request. I sent this letter certified return receipt. It was delivered on XX/XX/2019. I received a response back from TransUnion telling me they were unable to determine the nature of your request or your request was illegible. Therefore stalling an additional month before I could again ask them to abide by the law and provide physical proof that they have in their files that this item does in fact belong to me with my signature on it. 

On the last and final letter dated XX/XX/2019 I submitted a fourth letter. In this letter I have asked that all unverified information be deleted as required by law per the FCRA Section 609 ( a ) ( 1 ) ( A ).  I sent this letter certified return receipt which was delivered and signed for on XX/XX/2019. On XX/XX/2019 I received a letter back from TransUnion telling me that the investigation results had INFORMATION UPDATED. However they did not list what was updated, or provide me that much needed key lawful piece of physical documentation. allowing them to report the item in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion and XXXX  are in violation of act s 611 5 b of the fcra I have 8 inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXt XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and 2 from XXXX XXXX  XXXX and XX/XX/XXXX on my report that is not suppose to be there these are not suppose to be on my credit report. I sent disputed letters, XX/XX/XXXX, XX/XX/XXXX, complete dispute online, transunion customer service would not help and take care of the negative inquiries reporting to 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