vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB Sapphire Preferred Card XXXX Opened XX/XX/XXXX Closed by Creditor XX/XX/XXXX Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Made 85 % Payments on time, percentage was higher at time of closure. 
Recently became aware that account was delinquent and had been closed. Found this out after a rental company pulled my credit report. 

Due to this card and another closed by Chase Bank who reported several delinquent marks, my credit has dropped significantly. I am unable to rent any properties due to this. 

On XX/XX/XXXX I made an online agreement with Chase for this card to make 3 payments of {$210.00} dollars, and Chase reported that they would bring my card up to date. I see nothing of this on the account. I do see the withdraw from my checking account and application to Chase account. All negative marks still appear on credit report, along with amounts considered as due now. 

XX/XX/XXXX I spoke with customer service at Chase Bank with attempt to resolve the negative marks. I brought to attention that my account had always been on time until, unbeknownst to myself that the automatic payments had stopped being withdrawn. I was unaware of this, and want to make this right with the company. Customer service told me there was nothing they could do to help me. 

On Chase account online, there are no No notices or letters on my account.

There are also no branch documents. 

I am a XXXX  that makes a great living. I am honest and want to make this right, I feel like this was out of my hands and I was unaware of the situation. No I am unable to secure a place to live do to these negative marks. The creditor did not help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
I currently have a gym membership with a company name XXXX XXXX. Aldous & Associates as their debt collection law firm. I have been actively going to the gym with an account in good standing right up until COVID-19 hit and the gym closed at the beginning of XX/XX/XXXX. In XXXX, I signed up for personal training 3 times a week with this company. I started training with their personal trainers who were terrible and after about 2 months or so I decided to stop utilizing their services, and stopped scheduling my appts. I did this because the training program was geared around making people continue to utilize their services, not seeing results and not getting personalized workouts tailored to individual needs. I however continued with my gym membership. They claim that I never canceled my contract so they continued to bill me even though I wasnt utilizing those services anymore. Their charges are roughly {$50.00} for each training session. They are charging me approximately 30 training sessions that I did not take advantage of or utilize. They are holding me hostage and did not provide the quality service for which we agreed upon. I spoke with manager of the gym and they told me it would be fine as long as I kept my membership account current which I did and paid them the past due amount for the gym membership and they turn my membership back on ( over a year ago, and is still in good standing ). The law firm refuses to talk to me unless the account unless its about a payment, and the gym will no longer discuss this account because its now with the collection agency. They are trying to extort me out of {$1600.00} for services they did not provide.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Tried to fund a trading account with XXXX, didn't go through. 
Said BANK OF THE WEST-PERSONAL & SMALL BUSINESS is blocking you from enabling external applications. 

Called customer service, they saw no problems, and that was the end of their help.

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 2020-05-03 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: LEXISNEXIS
State: FL

Complaint narrative:
CFPB Complaint I requested an investigation AND Method of Verification from LexisNexis, XXXX, XXXX, and XXXX. Per the Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me the method of verification within 15 days of my request. Investigation took more than 15 days. This should be hard evidence that goes all the way back to the original creditor. The credit reporting agencies are not in compliance, and accurate per the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ).

The attached letter from the courts states the following ; The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: NC

Complaint narrative:
I have sent in a Identity Theft report from FTC to XXXX  Credit Bureau. Regarding two accounts that are reporting on my Credit file that are due to identity theft. This has been going on since 2019, and they refuse to remove these two accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by Mail, Disputes online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. 

from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB have XXXX   to remove these accounts or Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing 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 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX asked me for me social security number to try and file me on their taxes. Now I see this on my credit. I dont know what the company is or what debt is owed or why? I think they stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a Paypal Debit Mastercard, which is linked to may XXXX XXXX  Account. On about XX/XX/XXXX or XXXX, I noticed some transactions to XXXX which I did not authorize. 

I went to the paypal website, canceled the card. They automatically issued a replacement. I was not able to dispute the transactions which were pending, however, and they took that money from my XXXX account. 

Finally, after the transactions completed, I was able to dispute some of them. It took a while, but those got paid. However, instead of putting the money back into my XXXX account, which I expected, they gave it to me as a paypal balance. 

Then, more fraudulent transactions appeared, and again, no way to dispute them until they are completed. Then, they completed them, and used up the money that they had put in my paypal balance, again leaving me with no money to put back into XXXX, which even if I had tried to transfer it takes several days to do. 

Now I have XXXX in overdraft fees in chase. I have spent 20 days trying to contact Paypal, their call center is closed due to COVID19,  and so although I am willing to wait hours to chat with someone, each time I am told that they will help me and then they either send me a message telling me to dispute them and how to do this, and cut me off, or just cut me off

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03 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: TX

Complaint narrative:
ftc violations listed:


inquires XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX  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 2020-05-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX has not sent me my Tennessee unemployment card. It should have been here weeks ago. What is so frustrating is that their website does not have any type of email assistance and has no chat and I've been on hold for hours trying to call customer service. There is literally no way to reach them I can't even report the card lost or stolen because I don't have a card number to give them how can I give them a card number if I've never received the card. This is beyond frustrating and something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I made a payment in full for my account balance and the manager stated he was waiting fees. They removed money from my checking  account on XX/XX/20 but as of XX/XX/20 I called and have been on hold 2 hours and transferred to 3 different people who are saying my account is flagged for fraud. They are giving the reason that I made a payment with a XXXX XXXX account then a XXXX credit union account the next time so that Im suspicious. I didnt know it was against the law to have a bank and credit union account. And if thats were I had the funds to pay and they got paid why is my card flagged for fraud 12 days after they took the money the believe is fraud? We are in the middle of a pandemic and they wont allow me to use my card after Ive paid my balance in full and they still havent removed the account fees that they promised when they took the payment. XXXX employee id # XXXX XXXX Should be fired and not have a job. She is going to be the cause of this matter escalating and costing the bank a lot more money in court for how Im being treated. I also never gave you authorization to save my payment info, only to take one time payments. You are misusing are storing information you have no right to collect and then using it against me when I done nothing wrong. Both XXXX XXXX and XXXX accounts are mine and thats not a valid issue to flag me for fraud or leave me on hold hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by AMEX.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: TX

Complaint narrative:
ftc violations listed:


inquires XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  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 2020-05-03 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: TX

Complaint narrative:
ftc violations listed:


inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX advised that XXXX XXXX was willing to resolve my account in full for 75 % of the total balance due in the amount of {$630.00} as to which was paid on XX/XX/XXXX. i received confirmation from XXXX XXXX that the balance was paid in full as of XX/XX/XXXX and documented on my credit as being paid in full and removed as of XX/XX/XXXX. But, XX/XX/XXXX I received a email collections notice for the balance differences between the settlement amount of {$630.00} and the original balance amount of {$840.00}. The difference was XXXX was sent to another agency for collection called The CBE Group , Inc. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To Whom Concerned : I've tried to correct a bogus address on my FICO credit score numerous times thru the XXXX XXXX XXXX agency reporting system. They consistently state I need to contact some lender however never state who nor do I know the origination of how the address became attached to my account. I've lived at the same address for over 40 years however they wont get off the dead XXXX 's and help correct the problem. I believe they have an out right obligation by law to do so as quickly as possible with out hesitation however they fail too react until I complain to the FTC as I have before regarding inaccuracies. Please help me get the message across when a consumer identifies an issue its their obligation not mine to correct it. I look forward to your prompt return response and full resolution regarding this issue. I'm also requesting to be provided my free full and accurate annual credit reporting score. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-03 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY.  YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2020-05-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Why do credit bureaus continue to try to get more credit cards. They continually tell me to apply for this card or that card. I have 4 only one has a balance of XXXX on it but its zero percent for 14 most and I will pay it off before then. Experian told me to apply for XXXX card which had a good bonus so I did and they immediately turned me down. Then they tell me to apply for XXXX XXXX I did turned because I already have a XXXX XXXX. Well this is 2 inquiries that shouldnt effect me. Also I had a regions s account that I closed and paid in full in 2014. I wrote regions and I have tried to dispute several times. I was laid off going through a rough time during that period. Since then I have worked hard to restore my credit. I always pay Bill 's on time if I am making money. Also cell phone inquiries should not be hard inquiries. If u shop around their gon na pull score and that is at least 2 of my inquiries. I'm XXXX years old And I had great credit till divorced at one time over 800 score but when I didnt charge or by anything for 10 years score dropped to XXXX and I thought when you get old get out of debt. Anyways today 's experian score is XXXX well a couple a months ago I had as high as XXXX and now its dropped 50 points and not one late payment or a reason besides inquiries. Thank you in advance for listening and please follow up with me if u are able to help. Thanks XXXX XXXX. My email is 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 2020-05-03 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: WA

Complaint narrative:
To Whom Concerned : I've tried to correct a bogus address on my FICO credit score numerous times thru the XXXX XXXX XXXX agency reporting system. They consistently state I need to contact some lender however never state who nor do I know the origination of how the address became attached to my account. I've lived at the same address for over 40 years however they wont get off the dead XXXX 's and help correct the problem. I believe they have an out right obligation by law to do so as quickly as possible with out hesitation however they fail too react until I complain to the FTC as I have before regarding inaccuracies. Please help me get the message across when a consumer identifies an issue its their obligation not mine to correct it. I look forward to your prompt return response and full resolution regarding this issue. I'm also requesting to be provided my free full and accurate annual credit reporting score. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX 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 2020-05-03 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: WA

Complaint narrative:
To Whom XXXX : I've tried to correct a bogus address on my XXXX credit score numerous times thru the XXXX XXXX XXXX agency reporting system. They consistently state I need to contact some lender however never state who nor do I know the origination of how the address became attached to my account. I've lived at the same address for over 40 years however they wont get off the dead XXXX 's and help correct the problem. I believe they have an out right obligation by law to do so as quickly as possible with out hesitation however they fail too react until I complain to the FTC as I have before regarding inaccuracies. Please help me get the message across when a consumer identifies an issue its their obligation not mine to correct it. I look forward to your prompt return response and full resolution regarding this issue. I'm also requesting to be provided my free full and accurate annual credit reporting score. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation