vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During the XX/XX/XXXX weekend our family went camping to XXXX XXXX XXXX, due to being out in the wilderness we had minimal cell reception throughout most of the visit. On XX/XX/XXXX the wife and I went to the visitors center which has reception, at that point we received notification from the bank that an attempt for a {$25.00} purchase at a XXXX in XXXX, GA was rejected as suspicious. The purchase was attempted through my wife 's debit card linked to our checking account ending in XXXX. She cancelled her card and requested a new one while we had reception and thought that was the end of it. Forward to XX/XX/XXXX and we receive a call and notice about an un-authorized transaction for {$1700.00} through Chase 's online transfer service, XXXX. My wife nor I have ever used Chase in built online transfer service XXXX. Soon after receiving the call, my wife noticed that the caller was asking very sensitive information that she felt uncomfortable sharing and at that point hung up and called Chase directly herself. Chase verified that the caller was likely a scammer and that they would look into the un-authorized transfer and returning our money. XX/XX/XXXX my wife stayed home due to our sick child and called Chase for an update on the review and was told that we were denied a refund due to my wife giving " Authorization '' by using XXXX XXXX XXXX XXXX. Even though she only ever uses XXXX XXXX to open her phone, not to authorize XXXX to approve the transfer for {$1700.00}, at that point my wife requested that a supervisor take a second look into which they agreed to. Fast forward to XX/XX/XXXX and I call personally to Chase on an update on the case and was given the same answer that was given to us initially. At this point I believe that the bank is not taking responsibility for an un-authorized transfer and in violation of Regulation E protections as neither my wife nor I ever authorized any transfer or was verified through any multi-factor verification. Due to privacy policies I can't add screenshot attachments from my phone due to the action being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Cap1/walmart to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: PA

Complaint narrative:
Dear Equifax, the items listed in this report need to be deleted. I was not the individual that authorized forthese inquiries to be made on my credit fi le. I ask that the items are removed to correct my credit ASAP.This has been reported to the FTC months ago and your agency has yet to remove the following inquiries.Please delete these items. 

XXXX Inquiry from XX/XX/2020. 
XXXX XXXX  Inquiry XXXX XXXX, 2020. 
XXXX XXXX Inquiry from XX/XX/2020. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CA

Complaint narrative:
I contacted XXXX to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.

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 2021-07-28 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: TX

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX  Date of Inquiry : XX/XX/XXXX XXXX/XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TX

Complaint narrative:
I requested validation of a public record from all 3 credit bureaus this inaccurate information id detrimental to my living status enabling me to obtain proper shelter.. XXXX conducted proper investigation and removed the public inquiry but transunion and XXXX have not I have also contacted to court to see how vaildate this public record and they indicated they do not. I allotted time to complete investigation but my life is taken drastic hit from the inaccurate public record

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 2021-07-28 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: CORELOGIC INC
State: GA

Complaint narrative:
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company XX/XX/XXXX ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Inquires / Company Credco / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/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 2021-07-28 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Company Consumer Portfolio Servi Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TX

Complaint narrative:
I requested validation of a public record from all 3 credit bureaus this inaccurate information id detrimental to my living status enabling me to obtain proper shelter.. XXXX conducted proper investigation and removed the public inquiry but XXXX  and Experian have not I have also contacted to court to see how vaildate this public record and they indicated they do not. I allotted time to complete investigation but my life is taken drastic hit from the inaccurate public record

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 2021-07-28 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: World Acceptance Corporation
State: TX

Complaint narrative:
I requested validation of a public record from all 3 credit bureaus this inaccurate information id detrimental to my living status enabling me to obtain proper shelter.. XXXX conducted proper investigation and removed the public inquiry but XXXX and XXXX have not I have also contacted to court to see how vaildate this public record and they indicated they do not. I allotted time to complete investigation but my life is taken drastic hit from the inaccurate public record

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XX/XX/2021, I was prequalified for a loan by XXXX XXXX of Bank of America in XXXX, AZ. Her NMLS ID is XXXX. I also was told I qualified for a downpayment assistance grant. On XX/XX/2021, I made an offer on a home and it was accepted. I paid an earnest money deposit of {$3000.00} and was told my closing date would be XX/XX/2021. For two weeks, I had not heard from XXXX or Bank of America regarding a time for the closing. I called, but XXXX never returned my calls. On XX/XX/2021, I was informed that the closing had to be pushed back because the underwriter wanted me to do another income driven repayment plan. I informed them about the moratorium on loan payments, but they insisted I needed an up to date plan. This decision made my student loan payments increase by {$200.00}. After I submitted the new plan, I was told the new closing would be XX/XX/2021. Once again, the day before closing, I was told I needed to submit additional information such as bank statements, etc. I submitted the information and was then told I no longer qualified for the grant program and I would have to pay 5 % down. I agreed, but the came back again stating I needed ANOTHER student loan repayment plan on XX/XX/2021 at the close of the business day. This made it impossible for me get the information because it was the XXXX XXXX XXXX weekend. 

There was a complete lack of communication by Bank of America. If I called, no one answered and I was called at the end of the business day each time documents were requested. The process was meant for me to fail and discriminatory.

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 2021-07-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This may seem like a very minor complaint, but it is not. We live in a world where minor bad security practices with online computer access to credit card accounts lead to very serious problems, and the credit card operations at JPMorgan Chase 's credit card operations have a security problem they could trivially fix, but won't. This would not have been an issue 10 years ago, but now it is.

JPMorgan Chase provides very nice online access to all their products at chase.com. You can see your bank accounts, your securities accounts and your credit card accounts through one common online portal. If you and your spouse both have such online access and give each other a power of attorney, then the bank side and the securities side follow good modern computer security practices and give each member of the couple their own login to see the accounts involved, so there is an accurate audit trail if there is a breach.

The JPMorgan Chase credit card operation absolutely insists the both members of the couple should share their login credentials instead to achieve such joint access. This muddles the audit trail in case of a breach. These days it is important to enforce a strict bar against sharing computer access credentials.

This is a mistake on the part of JPMorgan Chase. You would be doing all their credit card customers a service if you would explain to them that they are making a mistake and should bring the credit card operations using up to the same security standards for this access as the bank and the securities sides of this portal. I have tried to explain this to them via their secure message portal, but the credit card operation has simple decided to ignore all messages on the subject since XXXX XXXX under the mistaken assumption that they are doing the right thing and don't need to hear any advice on this subject from a mere customer. If you would be kind enough to intervene, you would be doing me and other customers with POA access a service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: SC

Complaint narrative:
Two medical bills showed up on my credit. 
XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$830.00} I only goto the Dr in my hometown and this isnt it. I have tried to dispute this but its still on there. Its the only thing plaguing my credit and I want it removed. I have also called before about this account but I just got the run around.

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 2021-07-28 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: TX

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX/XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company XX/XX/XXXX ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Inquires / Company XXXX / Inquiry date XX/XX/XXXX Company Synchrony Financial / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company Synchrony Financial Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company Synchrony Financial XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/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 2021-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation