vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Kikoff Inc.
State: TX

Complaint narrative:
I want to close my kikoff account I can't even use it in this hard times of financial stability yall can't help me use the money I need to I want my account closed because I never used the credit that was given to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX. Starting working with a licensed plumbing company, made me pay upfront for services. It was {$300.00} and I paid on my chase sapphire reserve card which is not canceled due to this issue. 
XXXX. Did not deliver service requested and was sending threats against me and my house XXXX. Disputed with Chase and included all evidence XXXX. Chase did not resolve the claim despite lack of delivery of service and threats. 
XXXX. Tried to work with chase but they have a process where when you call in you get someone who can not help you and your call goes nowhere. They bounce you from customer service agent to customer service agent all of who claim they are the wrong department and then they put you on hold for 40 minutes or longer. 
XXXX. They had sent something to my other house that I would need to physically mail a response to by a due date and I missed it as I did not have access. They have an online portal but would not let me use it. 

Really disappointed with chase. They are always doing something shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
My car was repossessed in XXXX of 2019, it was once repoed but after XXXX weeks I got it out. Ive never signed any papers of volunteered surrender of the vehicle. Now I have it reported 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 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IL

Complaint narrative:
they called XXXX XXXX time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on On XX/XX/XXXX and XX/XX/XXXX each time this company [ AMERICOLLECT INC ] add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: VA

Complaint narrative:
On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXX at the XXXX XXXX USA XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. 

I had XXXX vehicles and added XXXX to my XXXX XXXX, but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. XXXX XXXX XXXX XXXX reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called XXXX several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with XXXX XXXX XXXX XXXX ( XXXX ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.

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 2022-01-16 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: VA

Complaint narrative:
On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXX at the XXXX XXXX USA XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX  bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. 

I had XXXX vehicles and added one to mXXXX XXXX XXXX but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. XXXX XXXX XXXX XXXX reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called XXXX several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with XXXX XXXX XXXX XXXX ( XXXX ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: VA

Complaint narrative:
On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXXr at the XXXX XXXX XXXXXXXX XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX  bankruptcy in XX/XX/XXXX and my bankruptcy was XXXX in XX/XX/XXXX. 

I had two vehicles and added XXXX  to my XXXX XXXX  but my XXXX car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. XXXX XXXX XXXX XXXX reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called XXXX several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with XXXX XXXX XXXX XXXX ( XXXX ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.

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 2022-01-16 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I notice transaction on my wells from cashapp from someones cash app account. I also changed my phone number so there transactions I didnt even commit from XXXX to 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 2022-01-16 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I went out for lunch with my colleague at XXXX pm sharp from our office located at XXXX XXXX XXXX NY XXXX to the restaurant XXXX XXXX allocated at XXXX XXXX XXXX with about XXXX minutes walk. After we arrived at this restaurant in XXXX minutes, I discovered my Chase Bank - XXXX unlimited credit card was lost. I walked back for two blocks at the street trying to find my card but I could not find it and realized someone might take it. I called the bank immediately to report my card was lost. Unfortunately, the customer service line has been busy until around XXXX pm. The Representativeness accepts my call. She checked my credit card record and told me that a transaction at {$940.00} was charged from the store " XXXX XXXX XXXX XXXX XXXX '' ( I knew this name later from my account record ). I was told by Chase Bank that they will give me back credit for this unauthorized transaction. I saw the transaction has been taken out from XXXX, XXXX statement as promised on XX/XX/XXXX. However, this charge was added back to my credit card account on XX/XX/XXXX. I called the Credit Card Fraud department on Chase Bank on XXXX XXXX, he told me that I should call back to Credit Card Fraud Recovery team on Monday, XXXX since that recharge bill is this Recovery Team 's matter. I called representativeness on XX/XX/XXXX stated that I disagreed with this purchase since I did not authorize this transaction and I did not sign it for purchasing. However, this bill of {$940.00} is still on my account, and the bank requests for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-16 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: MI

Complaint narrative:
On XX/XX/XXXX I noticed {$3800.00} was missing from my Chase Bank account I contacted the Chase XXXX department and informed them that I did not make these transactions too XXXX Chase issued me a positional credit I informed them that they have to contact me by phone or email because I am a XXXX XXXX XXXX  on assignment away from home. On XX/XX/XXXX they removed {$3800.00} from my account which made my account negative {$970.00}. I immediately contacted Chase Bank 's fXXXX department had to argue with the representative and explain to him that I was at work during all these transactions I had transactions I had proof of my with my time card where I was at and what I was doing he told me that wasn't Good enough that if I was blocked in jail then that would be an excuse I wouldn't have Access to my phone I faxed them my timesheet for that week About XX/XX/2021 When I called a couple days later they told me my refund would be issued within 3 to 5 dozen days I called back then it was 7 to 10 business days I'm XX/XX/XXXX they sent me a paper stating that they agree with me that the transactions were fraudulent Then a couple days later they sent me another paper saying that the transactions We're authorized I've even contacted the merchant which is a XXXX site And ask them to do an investigation with With no prevail have I gotten any response from them I sent a copy of the correspondence too Chase. I was put out of my hotel because I'm a XXXX XXXX because I couldn't afford to pay for my room for the month I would like my money put back into my account with interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was scammed on XXXX. 
I put up a dog kennel on XXXX for {$250.00}. A scammer answered the ad and told me that he would give me {$300.00}, but he would have to wait a couple of days for the payment. A cashier 's check for {$1900.00} was sent to me, with instruction to deposit it, and send back via XXXX. I sent {$1600.00} via XXXX to him. This started on XX/XX/XXXX, and the check was deposited on XX/XX/XXXX. On XX/XX/XXXX, the bank notified me that the check is no good. I do have the kennel, but is out the difference. 

I reported this story with the XXXX 's policeman and Bank of America XXXX Fraud department ) on XX/XX/XXXX. On XX/XX/XXXX, the bank notified me via letter that the bank can't help me to get money back from scammer. The bank recommends me to contact the scammer directly to send back my money.

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 2022-01-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I was told by XXXX that my payments for student loans would be waived but they have not done so. It is destroying my credit. They have stated I owe XXXX. I do not have that by any means and I have placed it in forbearance numerous times. I was even incarcerated and they continued to call my wife over and over again. With the way the economy is setup I am asking that this please somehow be removed. Its hard enough out here as it is and this company uses improper tactics and Im trying to make a living the best way I can. Any help would be great. Please look into them for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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 am making this complaint of my own accord and do not consent to verification in response to XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ; reporting inaccurate information on my credit report. Due to the many errors and derogatory information on this account it was to be removed by law ; as a certified letter was sent requesting such. They did not prove a method of validation with my signature nor any other means of validation. However, it came back " validated '' with the following fields being modified XXXX type of account XXXX actual pymt XXXX activity designator. And they added another line item account from the collection agency as a separate account now listed twice with the same account number. This does not constitute as validation for either. Now instead there are XXXX accounts with infractions. 

Both agencies are in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
XXXX XXXX XXXX XXXXi : XXXX XXXX XXXX open XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond satisfactorily with deletion of the above referenced accounts and a free copy of my report after the changes have been made will result in the above actions being taken against your company ( XXXX ). 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). Please note that I am keeping records and communication for the purpose of filling a future complaint and seeking litigation and {$1000.00} per violation. I will be seeking { {$1000.00} } per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of15U.S.C1692g 4 ). Violations of 15 USC 1681b As I requested prior in writing via certified mail, as well as now here, I will continue to take this item further if needed. Once again, I demand that these accounts be deleted immediately or I will file litigation. As they sold the account numerous times, without my consent or acknowledgement the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information XXXX ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent.

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 2022-01-16 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: TX

Complaint narrative:
I was with Bank of America. I had a secured credit card and I ended up being incarcerated. I wrote 3 letters to XXXX XXXX headquarters and they would not respond. My wife constantly tried to pay on a secure card which was my own money but they continued to deny her access to pay even with my written consent while away. She tried for weeks and they denied so I wrote again. I even called to resolve and they told me your account is closed for lack of response. Mind you, this is a secure card that I faithfully paid on time every single XXXX month. They closed it saying I had an outstanding balance of {$15.00}. This was so sad because it now sits on my credit report. Its not right. I told them prior and authorized my wife as a user to make payments or decisions on this account. She did everything she could do but they closed it. All for {$15.00}. I got a call and they forced me to pay the account off for the {$15.00} even after they knew I was incarcerated. They said there is nothing we can do for you. They closed it only this but also my checking account due to monthly service fees I accrued while away. They basically just used my situation to get money and make my credit bad. Please help me!

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 2022-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello I am writing to report capital one bank. I have a secure credit card with them and I informed them that I was facing hard times. I told them that my fiance, now wife would be paying on the account. They made her an authorized user but refused to allow her to make payments. It was my money in the first place. I wrote them and let them know I would be away for 2 years and needed my wife to be able to pay. They refused and would not respond to me in written documents. Can you please help me resolve this because I am trying to build my life back while this bank will do anything to tarnish my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Fraudulent Wells Fargo Account - Reported but still receiving statements On XXXX XXXX I received a notice in the mail for a Wells Fargo checking account, and I immediately called and reported it. They had all of my personal information but were using my maiden name, and my first name is spelled incorrectly. When calling I was able to gain access to this information by confirming last four of my social security number. I have never had any of their products. They couldnt tell me anything about the account but said they would close it and send me documents regarding the fraudulent account via U.SXXXX mail. I immediately locked my credit. 

Today, I received a monthly statement dated XX/XX/2022 showing the full account and balance information. It also details what account options I am currently opted into. I have not received any other mailings from them. I called the XXXX and the account is still open and there are debit card transactions of {$0.00} as recently as XXXX. The CSR could not tell me anything but just transferred me to a dead line.

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