vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-05 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: CA

Complaint narrative:
On XX/XX/XXXX, I went to a merchant to make purchases on Chase credit card. At that time, I was not aware he was a fake doctor, giving illegal medical advice, and selling products. Later that day, I talked to him on the phone about my finding and returned the products two days later. I contacted Chase Bank to dispute charges at the same time. Chase Bank Dispute Dept. credited my account, so I closed the card in XX/XX/XXXX. But I found the charges came back in XX/XX/XXXXstatement with the new credit card number that I had never received. I called Chase Bank, the supervisor told me the charges were fromXX/XX/XXXX, because the seller told the Bank he did not talk to me, and he was not sure if the products were returned, so he would not refund. It was a lie. But Chase Bank believed and paid him. The supervisor explained they sent me an electronic letter on XX/XX/XXXX to request the proof of returned products. I told her I did not receive the letter at all, otherwise I would have provided all the evidences. Also, I told her I did not have online access to that account anymore at that time because the account was closed. How was I supposed to get the letter she talked about? She said she could not re-open the case because it's passed the timeframe. Then she hung up on me. It was so rude. It's definitely a negligence from the bank since they did not acknowledge or re-verify with me for the fraudster 's charges of total of {$2900.00}. 

I submitted a letter onXX/XX/XXXX to Chase Bank Compliant Escalation with all the evidences I have with the seller including text conversations and proof of returns on XX/XX/XXXX andXX/XX/XXXX. 

I am not going to pay the charges because Chase Bank paid the merchant without my authorization or confirmation. I am requesting that the errors be corrected, that any finance charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Enclosed are copies of documentation supporting my position and experience. You could see the adjustments made on 4 statements from Chase Bank that had never been correct. 

I have been with Chase Bank for more than 8 years, always been a good customer, receiving good and pleasant services. But now I am shocked and traumatized so I am complaining Chase Bank had a lack of procedures in place that are designed to provide me with rights and protections against fraud, misuse and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items in Identity Theft must be deleted : The listed items are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response.

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 2020-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I attempted to use my Chase debit card XX/XX/2020 and it declined. I called in and was transferred to a representative who told me that my account has been closed after a review but the reason it was closed would not be disclosed. I asked how to get my $ XXXX and the rep told me I could go to the branch to get it. I showed up at my local branch 30 minutes before close on XXXX and was told my funds are restricted. They called in to their help center about the matter and were told it would be an hour wait. The in branch representative was not willing to help me because they were closing and wouldn't have enough time. I called back on my own just now and the rep I spoke with this time told me my funds would be released only vis check at some point within a ten business day window. I need my money to feed my children. I can't wait ten days for that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05 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: MO

Complaint narrative:
On XX/XX/2020 I sent a dispute to Experian informing them that public records Bankruptcy being shown has the incorrect docket number across all 3 bureaus and they need to verify this information per FCRA with the original creditor they never sent me the information on how they verified this public records AT ALL. They continue to report inaccurate information that is not associated with me. Highlighted in RED is all the inconsistencies and all errors on my report and they continue to do this without any regard to WHAT PUNITIVE DAMAGES THIS IS CAUSING ; therefore this is my final step and after this I will be filing a complaint with the attorney general and SMALL CLAIMS with the courts for lawsuit. Attached is proof of the dispute and the errors that continue to be reported and them NOT CLEARLY VERIFYING THIS WITH THE ORIGINAL CREDIT ( THE COURTS ) If they are verifying this with the courts I would like to know the name of the person from the RECORDER OF DEEDS they spoke with court number.

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 2020-09-05 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: TX

Complaint narrative:
I purchased a XXXX XXXX with XXXX XXXX. The pass was suppose to allow me to attend 3 races in XXXX. I used the pass to sign up for 3 races in XXXX in West Virginia. The XXXX XXXX company made the decision to cancel all their XXXX events as of XXXX. 

I have asked XXXX to refund me and they refuse to, saying they have a No Refund Policy. That policy makes sense if " I '' were to cancel or not able to attend, but they are canceling, thus no offering the service i paid for. 

After no resolution with them, I asked Wells Fargo to assist me with a dispute for Not Receiving the Service. Based on how quickly they closed the case, they didn't even seem to try to help me.

I do not understand how I am suppose to settle for " credit '' for XXXX, even though there is no guarantee that events will be allowed.

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 2020-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been back and forth with TransUnion regarding the inquiries on my credit report. I sent a letter on XXXX outlining inquiries on my credit report that were unknown to me and unauthorized. I then followed up with this letter on XXXX as TransUnion ignored my first correspondence. They continued to ignore me, so another letter was sent out to TransUnion on XXXX, again another request for an investigation and removal incomplete and denied. 2 more letters have been sent since on XXXX and on XXXX requesting an investigation and removal of inquiries that I did not authorize. 

When speaking with TransUnion customer service via phone, they really did their best to express to me that the burden of proof is on me. I have reached out to EVERY single one of the companies that are listed on the inquiries section of my credit report ... I have gotten some letters back from these companies just saying that " per the FCRA we can not assist you with your inquiry ''. I have sent this information to transunion and yet still no results.

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 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Late afternoon XX/XX/XXXX, I received an e-mail from Bank of America that my credit card bill had not been paid because they were unable to withdraw funds ( {$10.00} ) from my Pay From account and that my Bill Pay service had been suspended. I was confused because I had accessed my account online just two days earlier and the web site indicated that payment had been made. I immediately called the number provided in the message and found that the bank had  attempted to withdraw funds from an account I had closed XX/XX/2015 rather than my current account. I don't know how the error occurred, but I was able to correct it over the phone and authorized payment of my bill from the correct account. 

The Bank of America employee told me that I would not be able to access my account for a couple of days while my Bill Pay service was reinstated, but that there shouldn't be any problem. He said that I would see an entry showing the original payment from the incorrect account had been reversed and that a new payment had been withdrawn from the correct bank account. I was informed that there would not be any additional charges or fees when I inquired about that possibility.

When I was once again able to access my account, I found, contrary to what I was told, that I was charged a Returned Check Fee ( {$10.00} ) and interest ( {$1.00} ). Over the last two weeks, I have repeatedly tried to contact Bank of America using the phone number on my credit card and one that they provide on their web site for service and have not been able to reach an agent no matter what combination of responses I give to their automated system. While the web site has automated means for disputing purchases, there is no means for addressing issues with fees or interest charges, and there is not means of e-mailing them the details. I have also been unable to find any information about how I might contact them by the U.S. mail.

I have made a good faith effort to get this problem resolved, so I am asking the CFPB to intervene and compel Bank of America to contact me so this issue can be resolved.

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 2020-09-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I got a alert that a card was opened, the same day of this credit card being opened I contacted Comenity Bank XXXX XXXX  Visa. 
I spoke to the fraud department which assured me that the account was closed as Fraud /Not authorized and that it will not show on my credit report.

1 week later I received a credit card in the mail I called again and spoke to fraud department and they assured me it was already closed, and that they removed any credit inquires, as well as account will be removed from credit report, not just showing closed but removed as I never opened it.

As of today it is showing open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: OR

Complaint narrative:
Companies involved : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX, OR XXXX ; ( XXXX ) XXXX Equifax I submitted a complaint to Equifax, stating that XXXX incorrectly reported that I missed a payment for my auto loan on XXXX, 2020. 

I received notice from Equifax ( Confirmation # XXXX ) on XX/XX/2020, stating that XXXX denies inaccurate reporting and my complaint case has been closed. This is incorrect. 

In XXXX, 2020, I was granted permission by XXXX to skip XXXX and XXXX payments due to hardship from the COVID-19 pandemic. They were not supposed to report negatively to credit  bureaus. Oddly enough, they report XXXX in good standing. 

I have never missed or been late on a payment prior to, or after, the pandemic grace period that XXXX gave me. It is unconscionable that a company would pretend to give hardship relief during the COVID-19 pandemic, then turn around and report consumers as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: SC

Complaint narrative:
Equifax removed XXXX off my credit report then put it back on during same month. Need this back removed permanently because removing an item then putting back on is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I filed a previous complaint about no response to an offer of payment and, if not accepted, a request for verification of the debt. In response to my complaint filed here, the company said they would start the process of retrieving verification of the debt ( weeks after my request ).

It has now been two months since the first contact with them regarding this debt, and over a month and a half since my request for verification of the debt, and I have received nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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:
Equifax is reporting XXXX account number XXXX on my Equfax credit report. 

XXXX has sent Equifax 5 requests to delete the XXXX account number XXXX from my credit report. XXXX. Equifax has refused XXXX 's requests to delete the XXXX account from my credit report. ( See the attached XXXX requests I have sent Equfax 5 disputes regarding the XXXX account number XXXX. I have requested the deletion of the account. Equifax has refused my requests to delete the XXXX account from my credit report. ( See the attached dispute letters ) The XXXX account number XXXX continues to appear on my Equifax credit report as of XXXX. It item has not been deleted and re-reported at any time. 

On XXXX Equifax responded to my last dispute stating that " the disputed item is no currently reportingon the Equifax file. Equifax is not being truthful. I am a PAID subscriber to the Equifax Complete XXXX XXXX. I can access a new Equifax credit report everyday. XXXX See the attached Equifax response ) This matter has been submitted to the Georgia and California States Attorney Generals. 

CC : XXXX, XXXX, XXXX XXXX XXXX, XXXX  - XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I submitted to Experian all the information they requested ( experian I.D. #, Auto Insurance Bill, Gas Bill, Bank Statement, Copy of Drivers License, A letter with my name 2 previous addresses, and Social Security number ) in order to permanently remove a credit  freeze. As of XX/XX/XXXX, my credit is still frozen with them. I've called their phone number numerous times, only to go through a computerised menu of prompts and then when I reach the specific area to deal with my situation, they hang up. 
I do not know if they've recieved my information. I've also tried to remove the freeze online. But at the end they ask for the same information I've already sent. Is there any way to talk to a person at Experian to at least find out if they've recieved my information? I put a freeze onmy credit XX/XX/XXXX with all 3 credit agencies. With XXXX   and XXXX, it was easy to remove the freeze. Any help you could give me to get my credit unfrozen with Experian would be greatly appreciated.

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 2020-09-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite three written requests, EQUIFAX has NOT corrected the INACCURATE REPORTING & UNVERIFIED ACCOUNT on my credit report.

They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and is correct.

I am requesting that the following accounts below be verified or deleted immediately if it can not be verified.

Account Number : XXXX : Account Number XXXX   According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. Equifax is required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and that it is correct. In the results of Equifax investigations, they stated in writing that they verified that these items are being reported correctly?

They HAVE not provided me a copy of ANY original  documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 2020-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Requested a validation investigation from LVNV Funding. XXXX XXXX XXXX responded ( XX/XX/2020 ) that they handle account for LVNV Funding. Requested a validation from XXXX XXXX XXXX ( XX/XX/2020 ) and they have not responded or validated the account. A 2nd Letter was sent ( XX/XX/2020 ) and there was still no response. They are reporting to the credit bureau and responding to the credit credit bureaus request but not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent Equifax the attached letters over 30 days ago now and they have not responded. I have a BK that is over 10 years old that I want removed bureaus because it has past the statutes of limitations and is in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CA

Complaint narrative:
I spent 4 days telling them unauthorized charges and I faxed the list. The bank could tell nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: OH

Complaint narrative:
On XX/XX/2020 a filed an dispute with Equifax, on these two accounts XXXX XXXX XXXX, and ohio department of human services. Which they said it was verified, but I didn't receive any validation letters, so I sent another dispute on XX/XX/2020 asking to reinvestigate and show me how they validated both accounts. There are no contracts, no original signed document. I haven't received any information to show these accounts can be reported on my credit. According to the FCRA. I have uploaded pictures showing they can't locate consumer account.

Company response to consumer: Closed with explanation