vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: HI

Complaint narrative:
On XX/XX/2021 My car was broken into and the glove compartment where I had locked my wallet was damaged and then my entire wallet taken. My drivers license, debit card, multiple credit cards and care documents were also taken. I immediately called Chase to report my card stolen and disputed the fraudulent charges. Chase locked my card and issued another one to me. A couple days later these charged were cleared and I was relieved. Then a couple weeks later, the amount ( almost $ 3k ) had mysteriously posted to my account again! I called chase, spoke to their fraud department team and they had no problem reversing the charges once again. Now a month later, the same charges have posted AGAIN!!!!!!!! I can't express the frustration I've experienced with Chase. I've spoken with customer service and the fraud department and nobody has answers except that they'll open ANOTHER claim. This time around, I have sent a copy of the police report any my drivers license ( which shows that the date issued was about 2 weeks after the incident occurred for proof ). I'm still awaiting yet another resolution from Chase, but this is not what I expected from such a major financial institution. Only when I threatened a civil lawsuit did they transfer me to a supervisor. I love the chase sapphire preferred card I have and the rewards that are associated, but this reoccurring situation and Chase XXXX XXXX XXXX is absolutely unacceptable. I'm surprised at the lack of customer service and communication within Chase internally. By law, I should be covered but Chase seems to think otherwise and I'm prepared to take the next actions I need to, to justify that I was a victim of fraudulent activity. To advertise 100 % protection against fraud and then completely disregard that major security aspect is a complete fail from this financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
I sent XXXX hbar to binance.us and forgot the memo, 3 weeks ago I emailed their support to get my funds recovered and have had no response at all even after harassing them sending multiple emails, I am very frustrated and would love a response from the company, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Asked Equifax to remove majority of the inquiries on my report due to fraud. I have no knowledge of the companies listed except for 3 of them. Cam back and said they were factual and verified. I asked for verification method and have not received within the 30 day timeframe. I need the inquiries removed as they are hurting my profile and diminishing my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
No knowledge of acct. never received notice and need this removed immediately due to FDCPA and FCRA violations... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: DE

Complaint narrative:
I have no knowledge of this debt and did not receive a notice of debt or any notices stating that I could contest the debt or asked for it to be verified but it has been reported to the credit bureaus which is a violation of my consumer rights under the FDCPA 15 USC 1692g.

A debt collector violates the FDCPA and the Fair Credit Reporting Act if it reports a debt that it knows, or should know, to be false, this is a violation of my consumer rights under 15 USC 1692e.

I hereby notify you that your claim is disputed, and I am requesting complete validation per the Fair Debt Collection Practices Act.

Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past.

Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws. 
Please submit any substantiating evidence of your claims regarding the account listed above to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE [ XXXX ] If I do not receive a response from you regarding your claim within 30 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the FCRA and FDCPA. 

Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight. 

Please also see the attached affidavit and invoice detailing the violations of my consumer rights. Please pay the attached invoice upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have been disputing FRAUDULENT CREDIT INQUIRIES ON MY XXXX CREDIT REPORT XXXX has been telling me that I have to wait for the furnishers of the credit inquiries for to respond back to the request they sent. I have submitted a NOTARIZED POLICE DEPARTMENT, NOTARIZED FEDERAL TRADE COMISSION IDENTITY THEFT AFFADAVIT, NOTARIZED COPY OF SSN AND ID.

I have contacted the furnishers to notify that I am a victim of Identity Theft but XXXX is still listing the FRAUDULENT CREDIT INQUIRIES until they said the company sends a letter confirming deletion yet they have not! THIS IS UNETHICAL AND UNFAIR THAT I HAVE TO WAIT AS A VICTIM FOR THE FURNISHERS TO DECIDE TO RESPOND BACK FOR DELETION! 

FRAUDULENT INQUIRIES 1. XXXX XX/XX/2021 2. XXXX XXXX XXXX XXXX XX/XX/2021 3. XXXX XXXX XXXXXXXX XX/XX/2021 4. Ally financial XX/XX/2021 5. XXXXXXXX XXXX  XXXX XX/XX/2021 2021

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 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian Impossible to log into my credit report. Experian has permanently and irrevocably locked me out of logging into my own credit report because I mistakenly entered the wrong password three times. Experian offers no relief whatsoever and has no mechanism or process to allow me to log back in.

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 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Took me 14years to build up a very good credit and for just one mistake, bank of america made my score go low ... This is due to a payment i thought went through but didn't ... After more than 7years with them that was the only time i missed pyment.After ordering my credit reports from all 3 credit bureaus, the only problem was that late payment ... My credit went from over 800 to now XXXX. 
I don't think its fair and that bank of America should rectify it.Took me over 14 years to build my credit, and they ruined it for me.

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 2021-09-15 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
The branch manager XXXX XXXX at Western Finance in XXXX, TX has fraudulently opened a second loan without my consent or approval knowing I was a victim of identity theft after providing a police report. The loan company Western Finance in XXXX, TX and their banking institution XXXX XXXX  XXXX XXXX, TX have made me, the victim, responsible for XXXX XXXX  passing through a check under double presentment which was originally issued for a loan- from XX/XX/2021 in the amount of {$800.00} and mobile deposited in my credit union.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northtown Capital Services Group LLC
State: MI

Complaint narrative:
So a woman claiming her name was XXXX XXXX called me this morning and left a message for me to return her call at this number XXXX which is fine normal collection practices. Right after she contacts my mom ( no big deal ) who contacts me and gives me her info. My mom then informs me that the agent XXXX XXXX told her that she just spoke with XXXX XXXX ( my fathers wife ) who would not have been my reference. She told my mom that XXXX verified my address in an attempt to get my mom to disclose information as well. So I called Ms. XXXX who was very rude. She disclosed to me with no authentication my entire social and went on to tell me how she has contacted XXXX and XXXX ( my ex husband and his dad ) to whom I havent spoke to in 10 years. Lastly before hanging up on me she blatantly advised that my credit score will be damaged. This is very disturbing all across the board as she is obviously using the internet and digging up people who I do not even associate with and havent in years, people I did not use as references and calling them and the worst part is that she is freely giving out my identifying information address social etc. I beg please look into this companies collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX XXXX I don't think there is anything in your terms and conditions covering whether I'm liable for charges related to a XXXX  XXXX XXXX? 

That's YOUR problem. That's your merchant. And you have made that our problem for over two years,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
They are not addressing the issue. I tried several times to use my debit card it keeps getting declined for expired even though it's says on the card expires XX/XX/2021 a full 6 weeks.

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 2021-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Braviant Holdings, LLC
State: MI

Complaint narrative:
So a woman claiming her name was XXXX XXXX called me this morning and left a message for me to return her call at this number XXXX which is fine normal collection practices. Right after she contacts my mom ( no big deal ) who contacts me and gives me her info. My mom then informs me that the agent XXXX XXXX told her that she just spoke with XXXX XXXX ( my fathers wife ) who would not have been my reference. She told my mom that XXXX verified my address in an attempt to get my mom to disclose information as well. So I called Ms. XXXX who was very rude. She disclosed to me with no authentication my entire social and went on to tell me how she has contacted XXXX and XXXX ( my ex husband and his dad ) to whom I havent spoke to in 10 years. Lastly before hanging up on me she blatantly advised that my credit score will be damaged. This is very disturbing all across the board as she is obviously using the internet and digging up people who I do not even associate with and havent in years, people I did not use as references and calling them and the worst part is that she is freely giving out my identifying information address social etc. I beg please look into this companies collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: NE

Complaint narrative:
I was getting ready to file bankruptcy and the company didnt want to deal with the paperwork. Instead the lady here in XXXX Nebraska settled for {$20.00} and told me my item would be paid. At one time I did in fact have a letter stating this. However it has been more than seven years now so I have since shredded it. I have asked Experian to remove this creditor from my report as it is too old. They are falsely reporting info and have been sold numerous times so they do not have accurate info.

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 2021-09-15 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: NC

Complaint narrative:
To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my equifax that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company XXXX XXXX XXXX keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
I received a letter from a debt collection agency on XX/XX/2021 for an amount of {$1400.00} this account is incorrect and was sent to this collection agency fraudulently because this account was paid through XXXX  on XX/XX/2021 from creditor XXXX XXXX  XXXX The debt collection company that sent me the letter is called Receivable Performance Management LLC , Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. This is a fraudulent account with this debt collection company because they are requesting a fraudulent amount that was paid through another debt collection company.

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 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC
State: NJ

Complaint narrative:
This company JHPDE 1 LLC was already on my credit report in 2018 and they never could verify that the account the trying to colect was mine and had been remove from all my credit report. Now 3 years later they came back with another name but with the same adress, In 2018 their name was JH XXXX XXXX XXXX ... How is this posible that this company is using this tactic to collect a debt a do not own???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2021, I checked my account to ensure that money I was expecting cleared. I noticed that the amount in my Chase checking account was not what it should have been and upon further gland, I noticed that money -- {$5500.00} was unauthorized and taken out of my Chase checking account without my knowledge by an XXXX XXXX account. I immediately called my bank to inform them of what occurred and I filed a claim on XX/XX/XXXX. I went into the bank the same day and informed the bank personnel of what occurred and they restricted both my checking and savings account and opened new ones for me. They informed me that I should come back within a week to ensure that everything was going well to receive documents requesting additional information from me in order to process the claim. I went back to the bank on XX/XX/XXXX as I did not receive the paper work and the personnel told me to give the documents an additional 3-4 days to arrive. They also linked my card to my new account as I was having issues making transactions. 

On XX/XX/2021, I received a notice letter from the bank stating they were not going to honor my claim due me having done pervious transactions the merchant who withdrew the money and not disputing those previous claims. They were referring to deposits made to my checking account in the amounts of XXXX cents and XXXX cents made by XXXX XXXX on XX/XX/XXXX. I did not notice or realize these transactions until XX/XX/XXXX. I have never had financial transactions with XXXX XXXX. XXXX has told me to take this issue up with the merchant, XXXX XXXX however in speaking with them and providing sensitive and confidential information, they do not have a profile for me as I have never done business with them. I have now consulted counsel who told me to go down to one of the Chase branches and have a meeting with a manager who needs to provide me with information the investigation and who as well as where the money went to based on the transaction that they authorized. Counsel also guided me to file this complaint with the FTC. I am hoping to get some type of resolution in this matter as it is very hard to work for money, make plans to spend it on imperative and pressing matters, only to then have it taken from you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
DELETE ENTRY UNLESS ACCOUNT CAN BE VERIFIED THROUGH AN APPROPRIATE SOURCE ( COURT ). PER FCRA ENTRIES SUCH AS BANKRUPTCIES CAN NOT BE VERIFIED VIA THIRD PARTIES SUCH AS PACER. 

IN ADDITION THE 3 BUREAUS INFORMATION IN REGARDS TO THIS ONE ACCOUNT IN INCONSISTENT IN MANY WAYS.

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