vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
On the night of XX/XX/2021 my credit cards were stolen. The thief immediately went out on a shopping spree using my stolen cards. However because the transactions all exceed my set alert amount of {$120.00}, received the attached emails stating that the transactions were declined. To ensure all the transactions would be denied, I replied to halt all transactions. Further I locked all my cards, call Chase Customer Service, and filed a police report with my local police department. 

At first there was no issue has Chase 's fraud department removed the charges and credited my account. Unfortunately a week later Chase returned the charges to my account without even notifying me. As a result I had to call Chase 's consumer service and fraud department again about the issue. I was then informed that Chase has a second fraud department called the Chase Fraud Recovery Department. That I had to speak with that department to resolve the issue, however unlike the other two departments they only operate during limited hours. Regardless I called the Chase Fraud Recovery Department and provided them all the information they request to include police report number. I am told they would investigate the matter and it should be resolve soon. 

A month later now in XXXX, I noticed no progress had been made their investigation, so I called them for a second time. The agent acknowledges no progress had been made but promises they would do better on providing me updates and ensures me that I will received an update within the month. At this point faith in Chase is extinct so I closed all my accounts with Chase to include my over 10-year-old checking and savings account. 

Again a month later, XX/XX/XXXX, I call the Fraud Recovery Department angry that I have received no news for the department. The agent says that they attempt to contact me however they did not even leave a voicemail if they did. Further the agent states they mailed me a letter to update me however, I received no such letter and if they actually wanted to reach me an email would make logical sense. 

At this point the fraudulent charges have been on my account for so long that Chase has begun to place interest charges on the account. When I point this out to an agent on the attached transcript, she fails even brother to read my message. I have to message again stating the issue for another agent to inform me to contact the same Fraud Recovery Department. 

Now, on XX/XX/XXXX I have received my first update letter, attached, from Chase Fraud Department stating I am responsible for the fraudulent charges. Despite the attached proof showing the charges were declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked Credco/XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

CREDCO/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2021-08-31 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: VA

Complaint narrative:
I applied for a personal loan online with XXXX, XXXX on XXXX XXXX I was denied the loan stating I had several judgement, IRS tax liens and three garnishments against me using XXXX. I stated to her that was not to and inaccurate information. Mrs. XXXX ( loan officer at XXXX XXXX  ) stated this was true from their background check with Lexia Nexis Company Full Disclosure, located in XXXX XXXX XXXX, XXXX GA XXXX. I contact the company on XX/XX/2021. I was asked a series of questions to identify me in there system. I spoke to operator XXXX and he also stated that I had several judgement, IRS tax liens and XXXX garnishments against me. I asked him did they have the correct spelling to my name XXXX XXXX. He stated yes, once again I stated to him this is incorrect. I contact all three credit companies and asked for and annual credit report since I have never received on in the past. I also contact by business attorney who is handling my business affairs as well. We both in returned contact the City of XXXXXXXX Courts, department of Taxation. Spoke with all parties and went over my credit report history. Nothing is showing with this information, I am current with all my open account no judgement, garnishment or tax liens. I contact the loan officer back and discovered I was being turned down due to my XXXX  background. I am a XXXX business owner, asking for a start up investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for only one credit card by Chase, nowhere does it say that an application demands 2 inquiries for one credit card. And I discovered that I received 2 inquiries on the same day, one on XXXX  and one on XXXX  report. I was granted the credit card but I wish I knew there would be 2 separate inquiries and I wouldn't apply. I called to ask why that happened and they said they can do whatever they want and they don't have any note saying that explicitly and asked me if I want to cancel my card but they can not remove 1 inquiry. It is just not usual to get 2 inquiries by any company so it was so unexpected and I believe it might have been a mistake or if not, they should mention it before someone applies. I am planning to get a car soon so this is highly inconvenient and totally not necessary, if I knew I would definitely go with a different credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
On XXXX I 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 for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
{$230.00} was skimmed off my Visa Gift Card by XXXX XXXX. I called Visa ( XXXX ) and reported it. They directed me to a company Blackhawk Network to resolve it. I called the company three times regarding the theft ; it seemed to be a call center in XXXX. They notified me on XX/XX/XXXX that my case was resolved and that I would get the money refunded on a new card. As of XX/XX/XXXX, I have not received the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 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: CA

Complaint narrative:
On XX/XX/2021 I sent a packet in response to Experian Investigations result. Experian has continued to Report Inaccurate information on my profile. In the packet i submitted a notarized affidavit of Truth, Documents supporting my claim in regards to inaccuracy from XXXX XXXX and a invoice attached. Experian haws failed to update and do an investigation properly.XXXX XXXX is the Furnisher for Experian and dont have any Bankruptcy on my profile with their company. This inaccurate information needs to be deleted.Ive been denied credirt from several banks and my federally Consumer Rights were Violated under FCRA 15 U.S Code1681e ( b ), 15 U.S Code 1681i ( 5 ) ( a ) ( i ), 15 U.S Code 1681b ( 2 ) .15 U.S CODE 1681a

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 2021-08-31 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: CA

Complaint narrative:
I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All three credit bureaus are reporting different credit reports for account # XXXX. The reports are erroneous and I disputed this alleged information to each credit bureau and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All three credit bureaus are reporting different credit reports for account # XXXX. The reports are erroneous and I disputed this alleged information to each credit bureau and nothing has changed.

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 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I noticed someone opened a cellphone line under my name, when it came to collection. i have never authorized anyone to do such thing. it is results of identity theft when i traveled to XXXX a few years ago. i urge you guys to take this off my credit because it does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a new account with Citi Bank ( XXXX XXXX  card ) and made a balance transfer at the time of opening. They mailed a card but it never arrived. I called and verified my address and they mailed a second card which also never arrived. When I called again I spent over three hours on the phone with customer service being transferred back and forth between departments ( general customer service, account specialists and fraud department ). Each new agent asked questions to verify my identity and then placed me on hold only to return and transfer me. I was able to gather that the account had been closed 'by accident ' by one of their reps and that there was some issue with my social security number. I was told by several reps that the account could not be reopened and by several others that they would reinstate it. I was told by several reps that I had a XXXX  balance and several others reported the full balance ( from the original balance transfer ). I was told by most of the reps that there was a mismatch of social security numbers and by two or three that it did match. One rep ( early in the call ) read it back to me incorrectly, with one digit being wrong so I am assuming he entered it wrong causing the issue. Nobody I spoke to would answer any of my questions about what was going on, what the problem was, why they kept transferring me or what I could do to resolve the issue. They just kept transferring and verifying despite me telling them what was going on and asking them not to. At a certain point they exceeded the number of identity verifications they were allowed in a day and told me to call back in two days to continue this fun adventure. That's it. No further explanation. They said they were not allowed to discuss it with me even as I tried to explain that the problem was caused by a rep.

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 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
As of XX/XX/XXXX I received an email about my credit report on Equifax. XXXX XXXX/XXXX  XXXX  marked XX/XX/XXXX as a late 30 day payment. My score dropped 37 points. This is impossible as I sold my home, closed and paid loan in full XX/XX/XXXX. I have been in contact with XXXX  the last 4 months trying to fix payments marked as late. I thought the issue was resolved as XXXX  and XXXX showed the months of XXXX XXXX as current, XXXX as 30 day late, and XXXX and XXXX were marked as " D-No Payment History Reported/Available For This Month '' and XX/XX/XXXX showing CLOSED. I opened a dispute with Equifax XX/XX/XXXX to update credit information and the report is completely different then what the other two agencies are reporting. Due to their errors I am now not able to get a loan because they reported a late payment for this year. They also did this to my husband 's credit but reported the month of XX/XX/XXXX as 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I sent my Kohl 's store payment ( issued through Capital One ) through the USPS on XX/XX/2021 for {$23.00} but it was not received by the company until after the payment due date of XX/XX/2021. I was charged a late fee of {$15.00} on XX/XX/XXXX and notified of the late fee on my XXXX statement ( closing date of XX/XX/2021 ). Since my previous balance of {$23.00} was paid in full after the due date, the amount due on the XXXX statement was {$15.00}. I wrote to the company explaining what had occurred and did not receive any communication back from either Kohls or Capital One so I assumed it was written off since I'm a long time customer of the store. I received my XXXX statement ( closing date XX/XX/XXXX ) last week and not only did they not take care of the previous {$15.00}, they have charged me another {$15.00} late fee plus a minimum interest charge of XXXX for a total account balance of {$32.00}. The entire amount owed now is all fees for a charge that is almost {$10.00} less than the current amount owed. The fact that Capital One charges a late fee for a non-payment of a late fee is a deceptive practice. The fact that Capital One did not respond to me after I provided a written explanation and felt that the best thing to do for a long time consumer is to charge an additional late fee and minimum interest. They currently want me to pay 142 % of the original balance in fees and that is unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I OPEN MY ACCOUNT IN MONEYLION RECENTLY AND AFTER THAT I LINK MY XXXX ACCOUNT WITH MY MONEYLION ACCOUNT. 

AFTER SEND FUND TO MY MONEYLION ACCOUNT, MONEYLION BLOCK MY ACCOUNT WITHOUT ANY REASON. 

THEY DO NOT WANT GET MY MONEY BACK OR REFUND. 

ALL TRANSACCION WAS IN MY SAME NAME, THAT HOW THIS COMPANY IS REALLY BAD, KEEP THE MONEY FROM PEOPLE WITHOUT REASON. 

i wish my account restore and access to my fund. 

i do not made nothing unusual in my account and i want reopen. 
my account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Purchase an item on XXXX  XX/XX/XXXX for {$240.00}. XX/XX/XXXX i disuputed the charge becuase XXXX shows the item delievered not to my address. 

XX/XX/XXXX i recieved a charback of {$240.00} for the same item. 

XX/XX/XXXX i recieved another {$240.00} chargeback XX/XX/XXXX i called to tell them about the chargebacks and was given a credit of {$240.00} I also intructed that that i never received correspondance about my dispute. They were suppose to follow up with the dispute and haven heard anything in months. I called today XX/XX/21 and i was instructed they will be doijg another dispute. 

Under federal law i the consumer should be protected and corresponse on outcome or progress. 

I am not the only victim here and i hope everyone else use a different payment method than paypal credit/synchrony bank.

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 2021-08-31 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: IL

Complaint narrative:
XXXX  received information from their source, XXXX XXXX, stating they removed the bankruptcies from their XXXX XXXX report and XXXX  refuses to remove it from theirs. XXXX also stated, the obtained the information about my bankruptcies from the bankruptcy courts. I sent them the letter from the bankruptcy courts, stating, they do not verify bankruptcies. I have been sending XXXX  this information from the year 2020. I have uploaded you the documents from all sources.

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 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS , L.P. has been reporting, to my XXXX, XXXX  and XXXX  consumer reports, false, misleading and harmful information that has resulted in me being denied for housing and has also resulted in me being denied the ability to grant creditors the right to extend me my credit. SOUTHWEST CREDIT SYSTEMS , L.P. has been reporting that I owe an alleged debt since 2017. They have failed to validate any " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Regarding : Acc # XXXX discrepancies Each credit bureau is reporting different account information for the same exact account. The information in my credit file is erroneous and I want it removed immediately. I did dispute this information and I have not received any evidence of this alleged account information.

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 2021-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: WA

Complaint narrative:
On Monday XX/XX/2021 my husband and I filed our taxes with XXXX. At the end we were told by the assistant that we owed {$190.00} for our federal taxes so we paid that amount then. After paying the {$190.00} we were asked to provide payment for the IRS. Perplexed we told them we just paid that. That is when they informed us that we paid for XXXX software which was not disclosed to us. XXXX XXXX formed us they could not provide return and to take it up with our bank. So I got ahold of Chime and explained the situation and they filed a dispute on my behalf. On XX/XX/2021 I finally recieved a provisional credit. On XX/XX/XXXX I recieved an email from Chime stating that they found an error did occur and they are finalizing my credit to my account in the amount of {$190.00}. Fast forward to a XX/XX/2021 and I recieved another email from Chime telling me that the made a final decision on my dispute and found no error occurred and that they would be reversing the provisional credit to my account. Today XX/XX/XXXX chime did just that after trying to tell them they can't reverse a final payment. So I am now negative {$190.00} in my chime checking account and I feel this is way way out of line and regulations.

Company response to consumer: Closed with explanation