vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a claim on a fraudulent charge with XXXX and they deemed it not fraud. It most certainly is fraud. XXXX has scammers on their site selling listings that are not real. I showed up to check in and it was not the purchased unit. I complained to XXXX and they did not care so I turned to my bank to help me with this. They reversed the charge and now Chase is fraudulent in reversing the charge on a fraudulent transition. Neither company did their due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Snycb national credit cards/airlines appeared on my credit score and I have no idea who they are or what I could possibly owe?

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I have a derogatory account showing from 2010 on my credit profile ... reference number XXXX on XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I applied for a credit card with Barclays and the customer service rep ( XXXX ) asked me what was my race. Also asked me how far do I live from Washington DC! Came back to the phone and denied my credit card. I asked the rep to tell me why my application for credit was denied, and I was told I have negative items on my credit file which is definitely not true and can easily be proven. When I asked him which bureau pulled my report,, He told me XXXX which was another lie. I have proof that my report was pulled from XXXX! The rep couldnt give me one name of any account that was delinquent or any type of derogatory info.. As a consumer I have a right to not be discriminated against because of my race nor should I be asked as a deciding factor what my race is. I also have the entire conversation recorded where this representative [ XXXX ) asked me what is my race before making a decision to deny me credit. Before I do my reviews online, release this recording on XXXX, file a complaint with the attorney generals office and contact media XXXX on your side,,, I wanted to officially file a complaint today.

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 2019-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called and authorized my retirement account holder, TIAA, to transfer {$7000.00} from my bank 's checking account into my IRA. Instead, they transferred {$14000.00}, which is not allowed. They have screwed up and want to send me a check in the mail for the amount, but can't tell me how long it will take. This is unacceptable. Why would they take twice the amount I asked that is obviously over the allowed amount? Something is very wrong with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC
State: WA

Complaint narrative:
This company is claiming i owe XXXX when i returned all the equipment to them. I have written them and spoken to them in the past before they send out a dunning letter, but they still claim i owe them money. They have no responded back to a letter i sent to them and they did not send back any of the information i have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference

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 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Citi sent me an adverse action letter reducing my credit limit from XXXX down to XXXX  on on of my accounts. When I chatted online with Citi to ask them to reconsider. The rep, XXXX, told me that XXXX asked Citi to reduce my credit line and that " per the Federal Law we are bound to follow credit agencies, since XXXX asked us to reduced your credit limit '' This information is not correct. 
So I called in to Citi 's customer service line, and a rep on the phone told me the same thing, and gave me XXXX  's number ( XXXX ), telling me that XXXX  would be able to consider restoring my credit line with Citi ... 
Why it Citi allowed to lie to it's customers? 

Citi chat conversation pasted below : XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request? 
You at XXXX, XX/XX/XXXX : Absolutely! 
XXXX at XXXX, XX/XX/XXXX : Could you please verify the last 2 digits of your credit card? 
You at XXXX, XX/XX/XXXX : The card in question ends in XXXX XXXX at XXXX, XX/XX/XXXX : Thank you. 
You at XXXX, XX/XX/XXXX : My pleasure! 
XXXX at XXXX, XX/XX/XXXX : Thank you for your patience. 
XXXX at XXXX, XX/XX/XXXX : We were notified by XXXX  that there are substantial debts with other 2 creditors and we were asked to decrease your credit line from XXXX to XXXX. If you disagree with it, you XXXX certainly dispute it through XXXX  and get back to us. We would be happy to submit a request for your credit line increase again. 
You at XXXX, XX/XX/XXXX : What do you mean? It was XXXX then it was knocked down to 1960? 
You at XXXX, XX/XX/XXXX : I have perfect on time payment history will all creditors, including citi for 8 years You at XXXX, XX/XX/XXXX : My double cash card is XXXX years old XXXX at XXXX, XX/XX/XXXX : I can understand but we were asked to do that, as per the Federal Law we are bound to follow credit agencies, since XXXX asked us to reduced your credit limit, you need to contact them and ask why it has been reported, if you see any discrepancy in your credit report, you may contact us again and we will raise your request to increase your credit limit again.

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 2019-03-28 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: NC

Complaint narrative:
Equifax is reporting incorrectly that I am 90 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX recently reported to the 3 credit bureaus that our Home Equity Loan had multiple late payments. This has prevented the automatic underwriting process from being able to qualify us for a new mortgage. We presented evidence from our checking accounts that each and every month during the period where the late payments were claimed were in fact made. We submitted the evidence and the response from XXXX XXXX was a 200 page document dump that did not relate to the Home Equity account, but a credit account which is closed. XXXX XXXX indicated in their letter and document dump that they had reviewed the account and had made the correct reporting of derogatory information. This response is not factually or legally correct. 

The company we are working with to secure a mortgage have reached out to Transunion, XXXXXXXX/XXXX, XXXX/XXXX and they have received the evidence and have refused to make the requested changes 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 explanation
Consumer complaint received 2019-03-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX recently reported to the 3 credit bureaus that our Home Equity Loan had multiple late payments. This has prevented the automatic underwriting process from being able to qualify us for a new mortgage. We presented evidence from our checking accounts that each and every month during the period where the late payments were claimed were in fact made. We submitted the evidence and the response from XXXX XXXX was a 200 page  document dump that did not relate to the Home Equity account, but a credit account which is closed. XXXX XXXX indicated in their letter and document dump that they had reviewed the account and had made the correct reporting of derogatory information. This response is not factually or legally correct. 

The company we are working with to secure a mortgage have reached out to XXXX, XXXX, Experian/XXXX and they have received the evidence and have refused to make the requested changes 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 2019-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My XXXX XXXX account was compromised and a fraudulent charge was made for the amount of {$820.00}. I noticed the charge because I got an email from XXXX XXXX authorizing the charge at XXXX XXXX. I did not see the email until XXXX XXXX. This individual did not have to use my security code on my debit card or use my pin and was able to send money to a different country. The charge was made at XXXX XXXX and the person who picked up the money did so at XXXX XXXX. I do not know the person who picked up the money. I had no way of fighting this charge or preventing this from happening since it all happened within 20 minutes while I was asleep. I did not check my email that day until XXXXXXXX XXXX when I was at work. But I immediately called XXXX XXXX to file a complaint. 

I filed a dispute with XXXX XXXX. - Pin Code= XXXX - Complaint ID = XXXX. They immediately closed my account. As you can see based on the attachment : The individual changed my profile and sent the money. 
At XXXX, I changed my password to my XXXX XXXX account upon realizing it has been compromised. My XXXX XXXX account was then de-activated. 

I also filed a complaint with suntrust and they are refusing to give me the money back and i am extremely upset. I did not even have enough funds available in my account and the transaction went through so I had to transfer funds to avoid overdraft fees. Suntrust should not allowed the transaction to go through. 

According to FTC, If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you. I reported this the same day within hours. I contacted Suntrust Investigator XXXX at XXXX ext XXXX to get this resolved. He never picks up or returns my calls.

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have missed payment in my credit report from the student loan while I already have a forbearance period, please remove the missed payment it show like 6 missed payments from XXXX XXXX XXXX. 
Name XXXX XXXX Date of birth : XXXX Address : XXXX XXXX XXXX XXXX, XXXX FL XXXX Please remove it

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 2019-03-28 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: NC

Complaint narrative:
Equifax is reporting the XXXX charge-off account partial account number -XXXX-XXXX in the amount of {$330.00} on two separate line items on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This double reporting for the same account is harming my credit score. One of the line items needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 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 contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX CARD, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX CO, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference

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 2019-03-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
False claim Wells Fargo account. 

I am not writing it again. 

I will sue.

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a derogatory account showing from 2010 on my credit profile ... reference number XXXX on XXXX and 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 2019-03-28 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I had a mortgage loan with Specialized Loan Servicing LLC. It was paid in full. Its still on my credit report as not paid. I cant get it off. Loan # 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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I reached out twice to Transunion regarding a deragatory item on my credit report for XXXX XXXX XXXX. The item does not show on any other credit reporting agencies due to the age of the debt. They stated that they handle reporting differently and it will be remove XX/XX/XXXX of this year. I'm concerned as my employer now performs credit checks.

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 2019-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: NY

Complaint narrative:
XX/XX/XXXX Ditech Financial LLC Amount unknown Has been contacting me for years with " informational purposes only '' letters when my debt was included in my bankruptcy and discharged back in XXXX. I have emailed them two months ago and told them to stop contacting me. I received a new letter today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have missed payment in my credit report from the student loan while I already have a forbearance period, please remove the missed payment it show like 6 missed payments from XXXX XXXX XXXX. 
Name XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX   XXXX XXXX, XXXX FL XXXX Please remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I have a phone bill from XXXX and I never done business with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equifax on XX/XX/XXXX to advise them that I have no knowledge of a XXXX XXXX nor is this company any where on my credit report ... 

I contacted XXXX  on XX/XX/XXXX and informed them that I have no knowledge of a XXXX XXXX and they are no where on my credit report .... 

These ( 2 ) inquired were not by permissional purpose at all and I want them deleted/removed from my credit report immediately. 

XX/XX/XXXX is XXXX XXXX XX/XX/XXXX is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
XX/XX/XXXX was the last activity with XXXX XXXX. 

There is a debt collector in the name of Waypoint Resource states that the account was closed this year XXXX. Which will be removed from the reporting agencies in XXXX. This information is inaccurate and causes my hard work I am putting forward to be corrupted.A letter was sent out to them and a response has not been received from them regarding this issue. 

They are reporting inaccurate dates that is hindering my progression to better credit. A letter was also sent to XXXX regarding the issue. Although, they have stated the account was verified containing the in correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation