vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 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:
Dispute claim is rejected by credit card company despite providing proof from XXXX timeshare that the contract is terminated. The dispute resolution process on my last appeal dated XXXX was acknowledged by bank but was automatically closed without giving me any notification or reason for denial. 
History : 1. Purchased XXXX timeshare sometime in XX/XX/XXXX. 
2. Paid the remaining balance of XXXX with Chase credit card company on XX/XX/XXXX. 
3. Received the XXXX login details 1 month after purchase and quickly realized that we have been misled and it was not what they said it is.Tried to contact XXXX to dispute but customer support is hard to reach 5. Hired a company to terminate the contract with XXXX and filed a dispute claim with Chase on XX/XX/XXXX for reason of false misrepresentation/ product not as advertised. We providied proof that we are in the process of terminating the contract. Bank rejected the dispute on XXXX XXXX 6. XX/XX/XXXX, we received confirmation letter from XXXX that membership is terminated. We again filed a dispute claim providing copy of termination letter. Bank rejected it in XXXX. 
7. I then again submitted an appeal letter dated XXXX. Letter was  acknowledged by bank on XXXX stating they will review the case and will not charge me any interest. Did not receive any update since then. In XXXX, I started getting interest charges on my statement. So, XX/XX/XXXX I called the bank for status and I was told that they have closed the case automatically. They said they closed the case because the final decision to deny was already made in XX/XX/XXXX. I questioned them on why they sent me an acknowledgment letter in XXXX stating that they will look at my case but did not give the courtesy to send a notification letter that they denied and closed the case? They said I do not need to be notified because they have already denied my claim in XXXX Dont I have the right to be notified? Why send a letter in XXXX only to close the case because of a decision made in XXXX? 

Just because this is a timeshare dispute, the bank is biased in their decisiion of this case. The fact is, XXXX has confrimed the membership to be terminated. 

Although it is true that we purchase the XXXX but we also have the right to dispute if the consumers are misled by false marketing representation or if product is not what they said it is. Credit card companies should protect the interest of its users by not allowing transactions with unscrupulous merchants/ vendors like timeshare companies. 

We work hard so we can live the life we want and go on our dream vacations. It is heartbreaking for us to lose hard earned money to unscrupulous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
CREDIT ACCEPTANCE CORP is reporting a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX and XXXX are reporting a monthly payment of {$300.00} and XXXX is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX.. XXXX is reporting date last active as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX and XXXX are reporting the date of last payment as XX/XX/XXXX but yet XXXX is reporting XX/XX/XXXX. Last reported date is being reported as XX/XX/XXXX, by XXXX as XX/XX/XXXX, and XX/XX/XXXX by 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 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I was going over my credit report I noticed an from AR RESOURCES BAL {$1800.00} I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. 
If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for AR RESOURCES diligent examination of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: Synovus Bank
State: VA

Complaint narrative:
XXXX XXXX has the count as 120 days late on XXXX, XXXX but it's showing as 150 days late on XXXX. Also on both XXXX and XXXX   the payment status shows paid but on XXXX it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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:
XXXX XXXX has the count as 120 days late on XXXX, Transunion but it's showing as 150 days late on XXXX. Also on both Transunion and XXXX  the payment status shows paid but on XXXX  it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my 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 2019-03-19 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:
XXXX XXXX has the count as 120 days late on Equifax, XXXX but it's showing as 150 days late on XXXX. Also on both XXXX and XXXX the payment status shows paid but on Equifax it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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:
XXXX XXXX has the count as 120 days late on XXXX, XXXX  but it's showing as 150 days late on Experian. Also on both XXXX and Experian the payment status shows paid but on XXXX it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my 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 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX I went with a family member to Chase Bank as my witness on closing my Chase Checking Account, but Chase Bank Rep.stated that I have a debt of {$2000.00}. 
I notice there is over {$1000.00} on overdraft fees and other fees. 

Respectfully, I like to close my account immediately and If I have authorize charges with purchases from any retails Store, etc., than Chase Bank has to provide me evidence of purchases. 
Also provide evidence of my hand written signatures of purchases that I made at Retails or Shopping places, etc. 
If I owed less than {$1000.00} to Chase Bank than like to have a payment arrangement of around {$50.00} a month until charges is paid. 
I am going through a financial hardship setbacks because of my employment has cut my Daily hours and soon my employment will be terminated as my employer is downsizing on work force. 
I have been employed for my company for over thirty years and now I am facing a loss of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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:
I was going over my credit report I noticed an from XXXX XXXX BAL {$1800.00}, XXXX XXXX {$XXXX}, I have never had an account or contract for service with THESE COMPANIES. I was recently a victim of fraud and I demand that they provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX diligent examination of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: NC

Complaint narrative:
I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to Equifax, XXXX  & XXXX asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 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:
I was going over my credit report I noticed an from XXXX XXXX   BAL {$1800.00}, XXXX XXXX {$54.00}, I have never had an account or contract for service with THESE COMPANIES. I was recently a victim of fraud and I demand that they provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX diligent examination of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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:
I was going over my credit report I noticed an from XXXX XXXX XXXX {$1800.00}, XXXX XXXX {$54.00}, I have never had an account or contract for service with THESE COMPANIES. I was recently a victim of fraud and I demand that they provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX diligent examination of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
In the last three months, my private student loan servicer, AES, has locked me out of my online account. Whether or not I am up to date on my payments, I have a legal right to access information pertaining to my debt. AES is violating my right to access my information online and has not honored the online account management services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
I sent {$220.00} to my friend in XXXX XXXX ( XXXX ) with MONEYGRAM, they will not release the money to her. Contacted MONEYGRAM and requested the money refunded back to me and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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 — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to cancel/remove the consumer statement alert appearing on my consumer credit report and my credit report as it is hindering my application for credit. I would also like to cancel/remove any security freezes and/or fraud alerts. As of a result of whatever freeze, hold, or alert that Equifax has placed on my credit report. I am unable to get my a replacement XXXX credit card even though I have an active account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
***Please be advised : I am the alleged co-signer, XXXX XXXX XXXX who is writing this complaint***** XX/XX/XXXX - Received phone call and provided information to XXXX XXXX to co-sign for a loan for around {$8000.00} for step daughter, XXXX XXXX . I provided information. I may have been faxed a document to sign, although I do not have a copy. I've asked Navient for this and the 2nd document I will discuss next at least 4 times in the last 1.5 years and all I have received from them is a copy of two typed Promissory Notes ( Loan 1 : {$8200.00} and Loan 2 : {$13000.00} ). These documents allegedly contain my electronic signature, but I did NOT sign any documents electronically then or anytime for the XXXX XXXX. I lived in Washington state at the time and XXXX lived in XXXX, VA. 

Loan 1 Promissory Note : Appears to have the information I provided Loan 2 Promissory Note : Has wrong and old zip code listed and my name is not capitalized. I do not ever prepare documents in this manner. I have worked in a XXXX XXXX   position in the XXXX XXXX XXXX since XXXX and am extremely particular about how I complete official documents. 

In my telephonic conversations with Navient, I have expressed to them that I did NOT co-sign or agree to co-sign for more than one loan and have stated to them that I would like to see if I ever actually co-signed for the 2nd loan. There response is always, that I will need to complete documents that declare Fraud on XXXX 's part, in order to have the loans removed from my name. 

If these loans were electronically signed, I am sure XXXX did sign them, but I do not want her to be prosecuted for this. These loans were predatory at best and she was 22 years of age at the time, being assured by this school that she had a 90 percent chance of getting a job in her chosen career upon graduation. 

Finally, now Navient has reported ME late in payment to the Credit Bureaus and I only spoke to them today, at which time, I immediately made the overdue payments. I would request assistance in having this negative information removed from my credit reports. 

Additionally, I would request assistance in having my name removed from loans. If they can produce my signature on the 1st loan for XXXX, then I will obviously bear the responsibility, but I did not sign nor have anything to do with the 2nd loan. 

Navient is coercing me to pay for something that is not my responsibility as I have continuously told them, by reporting XXXX 's lack of payment to my credit bureau. This bad reporting could affect my security clearance, which obviously is my income. Navient will not let me rightfully remove myself without accusing XXXX of fraud, when in fact the XXXX XXXX and Sallie Mae are most likely the culprits. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
Ive contacted the company multiple times in regards to remove the debt from my credit report. Ive asked for validation ; and received no response at all. Ive asked for validation as well. 
The first letter was sent XX/XX/XXXX Second letter was sent XX/XX/XXXX Third letter was sent XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for XXXX and Unknown - credit extension, review, or collection for XXXX. XXXX  is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. These are a violations of my rights per the fcra

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2019, my U.S. Bank account ( which currently had a negative AVAILABLE balance at the time ) posted an ACH deposit from my employer in the amount of {$1100.00}. 

Subsequently, in chronological order, the US Bank went on to assess me four separate overdraft fees totaling {$140.00} for transactions that occurred AFTER the deposit had posted, a fact which is clearly supported by the " snapshot transaction '' feature, which shows a positive balance more than sufficient to cover the overdrafts which, until they POSTED on the SAME BUSINESS DAY were phantom transactions in a " pending '' status, in which funds had not yet been paid out to the respective merchants. 

This is a very sneaky and questionable banking practice from an institution who vaunts its credentials on it website as " One the World 's Most Ethical Companies '' for five years in a row.

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