vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
so I disputed a bankruptcy after allot of back and forth lexis Nexis agreed with me that it should be deleted this was over 2 weeks ago and they have not updated any of the bureaus I have called several times and they each keep telling me to call each other lexis Nexis is saying call the bureaus they will update and the bureaus are saying call lexis Nexis. I keep getting the runaround and I am the one suffering from this still on my credit I just want it off asap. they both already have said it would have been off already it has not I just want this updated and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On the evening of Tuesday XX/XX/2021 I deposited a check into an ATM at my bank for the amount of {$600.00}. The check is a stimulus check from the U.S. Treasury. During the transaction the ATM machine malfunctioned and crashed. My check was taken by the machine as well as my ATM card and my bank is not acknowledging it's existence or crediting the account. They are not helping me. Just giving me run around. I want my check returned or the funds to be made available. The ATM scanned my check and showed a picture of it on the screen so I know they have record of 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 monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Upon taking a trip on Frontier Airlines in XX/XX/2019, they advertised a credit card where I could get free miles -- enough for 3 round trip tickets. I have cards with both XXXX and XXXX so thought it would be a good way to save for travel w Frontier as well. 

I went about my life and didn't realize that I never received the Airlines card until I got the past due billing statement from Barclay 's for {$79.00} ( annual fee ). I immediately called and told them that I never got the actual credit card. They offered to send me another but told me that because the 60 days had passed without me putting $ $ on the card, they would no longer be able to offer me the points to get me 3 round trip tickets. I told them if there were no points, I didn't want an extra card, and they insisted that I needed to have the card. They said they would send me another card but I never got it. FRAUD! ARGH. 

They continued to send me a couple more past due statements for the annual fee and every time I called and said I didn't want the card and that I wasn't going to pay a fee for a credit card I never got! I also said they had BETTER NOT BE REPORTING ME TO CREDIT BUREAU, but apparently they did! 

Please get rid of this FRAUDULENT charge for a credit card I never received. It was reported to ALL three agencies -- XXXX XXXX and XXXX. 

The late dates they reported me were for XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/201XXXX 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 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
contacted capitol one due to paytoll cut of XXXX and taking back former dependents without benefit of assistance.also XXXX illness has affected houehold.sole wage earner at only XXXX per month/i called capitol one last month asked for a long term solution.they only offered 1 month deferment said they had nothing else and continued to charge XXXX intrest rate / i took the one month and need assistance long term .they have to be kidding??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: CA

Complaint narrative:
MY CURRENT MORTGAGE IS FINE! You did not give me an 'other ' option on the previous page. The problem is I am being harassed by phone, email, text message and mail by the company JFQ Lending Inc in AZ. I have never heard of them or have done any business with them but they found my name, address, and mortgage company. 
They sent me an official looking letter with the name of my current lender. How they got this information is a mystery to me. The letter was so specific to my mortgage that it seemed like it was from my own credit union, or at least in partnership with it. The letter starts with " Your current loan with _____ Federal Union has been identified as benefitting from the aggressive enhancements made to XXXX XXXX eligibility. These changes will generate economic benefits to those, like you, who have a conventional mortgage '' .... 
I mistakenly answered them online with my email and phone number but after researching this letter online I now realize this company is trying to scam me and try to aggressively get me to refinance my mortgage with them. So now they are harassing me daily in some form as stated above. I want them to stop and be stopped from doing this to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. I NEVER HAD A ACCOUNT OR BUSINESS CONTRACT WITH XXXX XXXX XXXX AND I BELIEVE THESE ARE ILLEGAL RE-AGED ACCOUNTS FROM ANOTHER 3RD PARTY COLLECTION AGENCY.

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 2021-01-21 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:
XXXX XXXX XXXX XXXX made a late payment report to all credit bureaus in XX/XX/2019 

XX/XX/2019 : Called at XXXX and talked with an agent by the name of XXXX to submit a payment extension for the month of XXXX XXXXXX/XX/2019 with the promise of payment date forXX/XX/2019. 

XX/XX/2019 : Talked with yet another agent XXXX XXXX XXXX and he sent yet another document for me to sign electronically. 

XX/XX/2019 : Talked with agent XXXX and confirmed that the second document was signed and received on XX/XX/XXXX and had been approved but due failures within their system that reflected 2 documents signed for the same reason, I had yet to sign another one, making a third document signed in les then a month. 

XX/XX/2019: payment for {$700.00} was made in agreement with the extension. 

I have audio recordings with a supervisor accepting and apologizing for this issue and the mess it made within their own system. 

When I called XXXX XXXX to get it all clear, they said that at this point I have to submit dispute to Credit Bureaus. 
Its been 2 years dealing with the bureaus to correct this error, this is not my doing, not my fault.at all. 

I suffered a great deal of inconveniences and much damage to my credit record and score, even hired a credit repair company and to this day sill unresolved and I find myself in a bind and in much need to refinance the loan to help with the situation Without a doubt disturbing and a pebble in my shoe.

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 2021-01-21 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: Credit Management Control, Inc.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: CA

Complaint narrative:
Hi, my prepaid debit card through card.com got hacked. Somebody managed to withdraw cash at XXXX transactions on XX/XX/XXXX for - {$100.00} and - {$43.00}. I called and filed a dispute through card.com which they declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Chrysler Capital is still reporting erroneously on my credit file. They have removed a few lattes but I need them all to be removed. These late 's were their fault. I had filed an extension and was approved. I thought everything was good to go until I checked my credit file and noticed the late 's reported. I called back XXXX  to see what was going on and they stated that I had not signed the extension contract. I explained to them that this was a mistake on their behalf because I was never advised to sign the contract. They awknodlge the mistake and sent me a new contract to sign but said they would honor the fist extension and remove the late 's. The late 's are still being reported on my credit file. This is so ridiculous. I've tried resolving this a few times and have received the same response. I am very disappointed that the company is not following through with their word to remove the late 's. I was not late, the company promised to remove the late 's and I need them removed. This is taking too much of my time, money, and energy to get sorted out though it is THEIR FAULT. I need these late 's removed. I did everything right on my end and they messed up but not having me sign the contract. I have tried numerous times to get the late 's removed but they will not although they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After 10 months of having my accounts with bank of america, they have decided to close all of my accounts and not give me any reason at all for the closures, nor are they willing to let me speak to anyone regarding the reason for my closure. My personal accounts are all with a positive balance and are in good standing at the time that the bank has made a decision to close my accounts. I feel like I am being discriminated against because I am of XXXX decent and the fact that nobody will tell me why this is happening in the first place is completely unfair to me. I have done everything I can to keep my accounts with a positive balance and in good standing and all of a sudden today, I go to make a cash deposit to my account to find out that my cards were all blocked. 

The only thing I can think of would be because I have made several claims on my accounts over the last 10 months for people double charging my account or taking money out without my authorization, but yet it seems like I am to blame for their actions. In fact I have won all of my claims that the bank has reviewed because i was correct with filing those claims at the time they were done. The last claim that was filed under my business account was an ach claim for XXXX prematurely taking out monthly service charges from my account without my authorization because my application with them was never completed. A third party had pushed the application through to them without my final approval and so I started to get billed by them without even knowing it. How is that my fault? It is not, which is why I had filed that claim in the first place. Also XXXX agreed to refund my money for these transactions and they never did, so I filed a claim. Does this warrant a closure of all of my accounts with BofA I think not? Does this mean that I am a risky client because of other people 's actions on my account? I think not as well. So, why would you just decide, out of the blue and when all of my accounts are in good standing with normal day to day transactions, for you to just decide to close all of my accounts? Also, I am 3000 miles away visiting family in Virginia and now I can not have any access to any of my money due to this closure. I have been placed in a very bad situation now because of this and I am clear across the United States with no access to any of my money because of this decision to close my accounts with you. And the simple fact that you can't even give me the courtesy of telling why is yet another issue here. Therefore, I am led to believe that you are discriminating against me due to this premature decision to close and lock my accounts up when I have been doing nothing wrong with my accounts for you to come to this decision in the first place.

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 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Direct Mediation
State: OK

Complaint narrative:
XXXX XXXX, who identified himself as a representative from the civil processing division of First Direct Mediation, repeatedly tried to get ahold of me, starting on Tuesday, XX/XX/21, about a pre-litigation complaint allegedly filed against me. He referenced a file number XXXX. He stated that I only have XXXX hours from that date to either call myself, or have my attorney call him to make a formal statement, but he didnt say in the voicemail what the complaint was about, or who his client is making the complaint. XXXX XXXX XXXX then proceeded to call my father, XXXX XXXX, trying to get ahold of me about the same issue. XXXX XXXX then tried to call me today, XX/XX/21 about the same issue, only this time in the voicemail, he stated I had until XXXX XXXX to respond myself, or with my attorney, otherwise his client would proceed further by verifying my employment, and sending out notification for me to appear in court. Again, XXXX XXXX XXXX did not state in the message what the complaint was about, nor said who his client was making the complaint. I feel very harassed that XXXX XXXX would not only threaten me with verifying my employment, but continuously trying to contact me, and even my father, and not even supplying me with who his client was and what the complaint is about. I need XXXX XXXX to stop harassing me, otherwise I will contact my attorney, and take legal action against XXXX XXXX and First Direct Mediation for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: NV

Complaint narrative:
The accounts listed are not my accounts, and maybe someone elses. Please remove them. XXXX Claims true identity fraud/account fraudulently opened.

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 2021-01-21 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: NV

Complaint narrative:
The accounts listed are not my accounts, and maybe someone elses. Please remove them. XXXX Claims true identity fraud/account fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I learned by logging into my Chase account online that one of my credit cards with the company, which has been in good standing since it was opened in XXXX, was closed by the bank on XX/XX/XXXX. The bank did not provide any notice that this card would be closed. My most recent spending and payment on the card was under one year ago, right before the COVID-19 pandemic hit the United States. The unexpected cancellation of this card has negatively impacted my credit score because it shortened my average age of credit. 

I called Chase bank on XX/XX/XXXX within minutes of finding out that my card had been closed in order to reactivate it. Upon calling Chase, the first agent said that Chase emailed me multiple times starting in XX/XX/XXXX and sent me a letter in the mail to alert me of the card closing. I checked my email with the agent on the phone and told her that I had nothing but payment confirmation emails for the other 2 credit card accounts I hold at Chase. Nor did I ever received anything in the mail from them. The agent was unable to do anything to reinstate the card so I asked to be transferred to a higher-up. 

The second agent told me that they did not email me but that they sent me a letter in the mail on XX/XX/XXXX. I have USPS informed delivery, so I receive a digital record of every item that is sent to my address in the mail. There is no record of a letter from Chase bank at the end of XX/XX/XXXX nor did I receive the letter he mentioned. He told me that the bank opted to close my card because there had been no spending on it in the past 6 months. He also said that they would rather I cancel all of my other credit cards with Chase, which carry substantial annual fees, than reactivate this card. 

Without notice, Chase bank closed a credit card that I held in good standing with them for nearly 7 years, on which spending and payments were made in the last 12 months, and when I contacted them to reactivate the card they lied to me about their communication and indicated that my business is meaningless to them. I recommend not working with Chase if you have the option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
Incorrect information being reported to XXXX XXXX and XXXX XXXX XXXX XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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:
On XX/XX/2020, I sent XXXX TransUnion and XXXX a letter to perform an investigation and review the accuracy of the account, XXXX XXXX XXXX. I am still seeing a monthly payment on a closed account and moreover, they re-aged the closed date and are reporting both on time payments and " repossession '' on my credit file. This information is misleading and inaccurate because they should not be reporting anything on my file after the account has been closed. Due to their negligence, i am now asking that this account be removed from my credit report because no notice of dispute was entered on the remarks section which violates my rights as a consumer.

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