vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.

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 2018-05-16 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:
XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM ACCEPTANCE NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.

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 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is about new problems since the previous complaint I had filed that has been called 'Closed. ' The fact is while I was not happy with the result it was at least supposed to be OVER. Without warning, without explanation, without reason, Citibank had already cancelled my card lack XXXX after I'd overpaid and had a credit balance. Refused to tell me why or make a refund. It took 3 months and a complaint with the CFPB to get it but the refund came. They refused to talk to me when I used their identity procedure on the phone but instead tried to do account information phishing on nonCitibank accounts, otherwise they wouldn't talk about my card. And left messages that said my card was permanently cancelled and made a vague accusation of me committing " Fraud '' by disputing some charge in a fraudulent manner even though I wasn't disputing a charge. The caller identified herself as XXXX XXXX, I have no way of knowing if that's a real name or just one she uses. But still no explanation of why they cancelled my card. Others called where I picked out they said " Citibank '' but were too mushmouthed in their speaking to be understood. 

Now, without asking permission of any sort of notice at all, they have started to put charges on the account they cancelled. This is not me going out and using the card. Simply put, there is no excuse for them saying I have anything but a XXXX balance on this account that they have cancelled. This is identity theft, Citibank is guilty of it. 

This is without question a crime on the part of Citibank.

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 2018-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I SEND A LETTER OUT XXXX TO AD ASTRA RECOVERY SERVICE AND THEY DID NOT RESPOND TO IT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Sychrony bank has misleading and fraudulent information about their no interest promotion. I was told that their would be no interest added to my balance, yet they keep refinancing late fees into my loan by using their own made up policy. My minimum payment contract was agreed at XXXX dollars a month and now it is XXXX dollars a month, without any notification of this change, through any document or new contract.. I have attached the disclosure statement and their is no information about financing late fees into my loan.also in the billing statement their is no information of financing late fees into my loan.

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 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The basis for this complaint is discrimination based on ethnicity of business owner and size of business. On XX/XX/XXXX, I open a third business checking account with CHASE BANK. The purpose of the account was to separate funds used in our business for better allocation. The teller who work with seem to have problem opening the account ( I dismissed it XXXX. The account was open and was funded. ON XX/XX/2018, I was notified by my local Chase  branch at XXXX XXXX XXXX, XXXX # XXXX. That my newly open business account was being restricted or closed. The closure was due to the office space that I lease being consider by Chase : a virtual office space. '' The building has a physical address, and I have a physical suite inside of the building. In addition I have two other accounts with this institution that are attached to the same address, receiving mail at the same location. All of my accounts are in good standing. On XX/XX/2018. I provide the bank with the intelligent/virtual office documents stating that I lease space inside of the building. However the bank response was because they : XXXX IT '' that they are considering the space a virtual office. In addition they refer me to my local branch. I have spoken with the local manager, who has tried calling the compliance office, and can not get a direct answer. At this point, the local branch assistant manager, nor I have been able to get any direct answer, or even speak with someone in the department that is making the decision. We have tried calling several departments. There is nothing in the documents when I open the account stating that a lease office space is an unacceptable location for an office. Based on other accounts open with the bank, I am lead to believe that there is some form of discrimination at this point, being that I can not get a straight reasonable answer as to why my lease office work space is not acceptable to the bank. My lease agreement according to state law, has valid terms, outlines a payment, the suite location and has a beginning and end date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I received an email alert to my credit file regarding XXXX XXXX that is on my credit file twice that I DID NOT authorize. I want to know how did this happen when I have the extended fraud alert on my account. I should have been notify properly and the police should have been called to the location that fraud was taken place. So I took the time to update my FTC fraud complaint and I have not notify the police but will do so come morning. I am asking that Experian remove these inquiries and address off my credit file PO Box XXXX XXXX NC. Thank you.

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 2018-05-16 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: MD

Complaint narrative:
Re : Dispute of Bank Transaction ( s ) Dear Sir or Madam : This letter confirms the conversation I had with XXXX XXXX on XX/XX/XXXX about my request below. 

I am the owner of account # XXXX. 

I am disputing the following transaction ( s ) that were charged fraudulently to my account without my authorization : Date Amount Merchant Name Bank Ref. # XX/XX/XXXX {$3900.00} XXXX XXXX _________________ I did not make or authorize these transaction ( s ) that appear on my account and I am the victim of identity theft. I have enclosed a copy of my monthly bank statement which lists the unauthorized transactions. Please adjust my account information to reflect that I have disputed this transaction ( s ), and remove this item ( s ) from my statement. 

Account Number : XXXX XXXX XXXX XXXX Transaction alert : XX/XX/XXXX Dear Sir or Madam : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}. I am a victim of identity theft, and I did not make this charge. Chase bank had been contact me and denied to help me with this fraudulent transaction. Chase Bank was giving me confusing statement and explanation. They said they won't help me and reverse back the temporary credit for this fraudulent transaction by a billing cycle. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Please investigate this matter and correct the fraudulent charge as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance. Sincerely, XXXX XXXX Enclosed are copies of the following documents, evidencing the fraudulent activity : POLICE REPORT # XXXX filed on XX/XX/XXXX Police got a foot tape video camera from XXXX XXXX and Approve that the card had been theft. 

This is a XXXX document. Page 1 of 2 Please adjust my account information to reflect that I have disputed these transaction ( s ), and to remove these items from my statement, and send written confirmation that you have done so. 

Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: IN

Complaint narrative:
Have disputed 3 accounts with Experian because 1of the accounts are not mine. ( XXXX XXXX XXXX {$400.00} ) They don't even have a record of this debt in their files. I've been XXXX  for several years and have not evrn had a home and certainly not in XX/XX/XXXX-XX/XX/XXXX. The account does not exist so how are they validating this? The other account with XXXX XXXX XXXX for {$650.00} was paid in full by XXXX XXXX Hospital because of my health and financial condition. I Sent a letter in from XXXX XXXX but they didnt validate it. XXXX XXXX doesnt work. I called each collection agency to see if in fact anyone from Experian had called and i was told no. I didnt even have any accounts with XXXX. The XXXX account was paid off by the hospital itself. The alleged late payment to XXXX XXXX  was a mix up due to a change in payment date. Never late. Letter was sent. No response. Asked for validation from Experian. Nothing! I thought that Experian was supposed to check this stuff out to see if it is correct or not?

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 2018-05-16 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: CA

Complaint narrative:
I'm submitting this complaint today with the assistance of an attorney due to the negative impact this negligence had on my credit report. I've listed the account in question and a copy of this is also being submitted to XXXX XXXX along with my supporting documentation. I'm also forwarding this to XXXX. 

Account : XXXX XXXX XXXX XXXX XXXX was sold to XXXX and then sold to XXXX. 
Current owner : XXXX Payments : On XX/XX/XXXX, I paid {$580.00} to XXXX. I've attached the bank statement that details clearly the monies being taken out of my account on said date. 

XXXX : XXXX XXXX reported me " late '' for the following months in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX reported me as " late for the following months in XX/XX/XXXX and XX/XX/XXXX Follow-up : I called XXXX less than 7 days ago and asked for a letter stating that payment was made ad received XX/XX/XXXX. The letter I received states that payment was received XX/XX/XXXX. 

Problem : A. This is not the date it was paid. Even if this were so, how could XXXX XXXX even report me as late after an alleged payment in XXXX was made? 
B. In addition, how is it possible that XXXX XXXX is reporting any late payment ( s ), when they are not the owner of the account? 
C. The statement sent to me by XXXX  is false regard the date they're stating payment was made My attorney has recommended that I first reach out to the CFPB to make my complaint prior to moving forward in any other legal manner. This is false information reporting on my credit file and the account must immediately be deleted from my credit report. I'm aware that creditors can not just " verify '' without proving paperwork to substantiate their claim, especially when I've pointed out that this information is false. 

This account must be immediately removed from my credit report. The fact that the bureaus allow for this reporting to continue is clearly negligence on their part, as the factor listed in section Problem : B of this complaint.

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 2018-05-16 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: MO

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX ran my name twice within a week, ... way before my first 30 days, However, XXXX XXXX XXXX then took it upon themselves in opposition of my 4 warnings not to run my credit outside of their company, and she promised me that she wouldn't but she did. They fraudulently ran my name cause I did not authorize neither one of them many inquiries on my report ..via XX/XX/XXXX. Under the FCRA, that's illegal practices for them to do so.

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 2018-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was in the hospital, my card was on auto pay, but due to me not be able to confirm the payment with the creditor due to me being in the XXXX " not sure way never needed to before '' i was given a 30 day late, when I called and asked for a good will adjustment because of my episode, but once i told the creditor I was ill, the creditor closed my account, even being I had never missed a payment in over 3 years.

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 2018-05-16 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: CA

Complaint narrative:
I'm submitting this complaint today with the assistance of an attorney due to the negative impact this negligence had on my credit report. I've listed the account in question and a copy of this is also being submitted to XXXX XXXX along with my supporting documentation. I'm also forwarding this to XXXX. 

Account : XXXX XXXX XXXX XXXX XXXX was sold to XXXX and then sold to XXXX. 
Current owner : XXXX Payments : On XX/XX/XXXX, I paid {$580.00} to XXXX. I've attached the bank statement that details clearly the monies being taken out of my account on said date. 

XXXX : XXXX XXXX reported me " late '' for the following months in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX reported me as " late for the following months in XX/XX/XXXX and XX/XX/XXXX Follow-up : I called XXXX less than 7 days ago and asked for a letter stating that payment was made ad received XX/XX/XXXX. The letter I received states that payment was received XX/XX/XXXX. 

Problem : A. This is not the date it was paid. Even if this were so, how could XXXX XXXX even report me as late after an alleged payment in XXXX was made? 
B. In addition, how is it possible that XXXX XXXX is reporting any late payment ( s ), when they are not the owner of the account? 
XXXX The statement sent to me by XXXX is false regard the date they're stating payment was made My attorney has recommended that I first reach out to the CFPB to make my complaint prior to moving forward in any other legal manner. This is false information reporting on my credit file and the account must immediately be deleted from my credit report. I'm aware that creditors can not just " verify '' without proving paperwork to substantiate their claim, especially when I've pointed out that this information is false. 

This account must be immediately removed from my credit report. The fact that the bureaus allow for this reporting to continue is clearly negligence on their part, as the factor listed in section Problem : B of this complaint.

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 2018-05-16 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: CA

Complaint narrative:
I'm submitting this complaint today with the assistance of an attorney due to the negative impact this negligence had on my credit report. I've listed the account in question and a copy of this is also being submitted to XXXX XXXX along with my supporting documentation. I'm also forwarding this to XXXX. 

Account : XXXX XXXX XXXX XXXX XXXX was sold to XXXX and then sold to XXXX. 
Current owner : XXXX Payments : On XX/XX/XXXX, I paid {$580.00} to XXXX. I've attached the bank statement that details clearly the monies being taken out of my account on said date. 

XXXX : XXXX XXXX reported me " late '' for the following months in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX reported me as " late for the following months in XX/XX/XXXX and XX/XX/XXXX Follow-up : I called XXXX less than 7 days ago and asked for a letter stating that payment was made ad received XX/XX/XXXX. The letter I received states that payment was received XX/XX/XXXX. 

Problem : A. This is not the date it was paid. Even if this were so, how could XXXX XXXX even report me as late after an alleged payment in XXXX was made? 
B. In addition, how is it possible that XXXX XXXX is reporting any late payment ( s ), when they are not the owner of the account? 
XXXX The statement sent to me by XXXX is false regard the date they're stating payment was made My attorney has recommended that I first reach out to the CFPB to make my complaint prior to moving forward in any other legal manner. This is false information reporting on my credit file and the account must immediately be deleted from my credit report. I'm aware that creditors can not just " verify '' without proving paperwork to substantiate their claim, especially when I've pointed out that this information is false. 

This account must be immediately removed from my credit report. The fact that the bureaus allow for this reporting to continue is clearly negligence on their part, as the factor listed in section Problem : B of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was never in the hospital on the date the collection compony claims, I have aske several times to show me written proof.

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