vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, I went into : CHASE onsite:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX spoke to the branch XXXX " XXXX XXXX XXXX XXXX XXXX XXXX asked me to create a brand new saving account and to keep {$15000.00} at least in my checking & saving accounts so to get the safety deposit annual fee of {$65.00} waved. I thought it was good suggestion since I am with CHASE for more than 15+years and using the save deposit box anyway, so I kept up to today XX/XX/22, still have more than {$15000.00} in CHASE bank accounts ; however, XXXX took {$65.00} out of checking account and refused to wave it and saying that they changed the policy not to wave {$65.00} safety box annual fee regardless how much do I kept in their bank. I called XXXX on XX/XX/22, she said that it's out of her control, I told her that it is a cheating business if the safe box deposit {$65.00} won't wave, she should not ask me to keep {$15000.00} in the bank account, as she suggesed wrongly. 
I'd like to reqeust comsumer affair dept to investigate CHASE branches in XXXX XXXX, XXXX cities ; those branch managers recently changed to have poor customer services and lack of knowledge of delivery the truth to the cutstomer like me. This is illegal business practice, I'd like to reqeust CHASE to wave {$65.00} safety box deposit back to my checking account ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Improper use of credit report : Late payments posted to accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I submitted a dispute to Equifax to see if I could get my XXXX XXXX account opened in XXXX removed from my report. My last late payment to them was in XXXX and the account was charged off in XXXX. After my dispute, Equifax erroneously reported my last late payment was XX/XX/XXXX! The month I submitted my dispute! This brought down my score XXXX  points after submitting my dispute and has damaged my credit and life in more ways than I can write here. I want my credit report corrected or this needs to be removed entirely from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
On XX/XX/2002 I received a notification that a collection account had been added to my credit report. The company is Credit Management LP and according to my credit report, the alleged company they are collecting on behalf of is XXXX. The alleged debt amount is {$490.00}. Over the past 12 months, this account has appeared on my credit report under several collection companies, including XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC regarding this matter. Furthermore, as far as this Credit Management LP account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Credit Management LP offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform Credit Management LP that if their office continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if this negative mark continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 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:
XXXX XXXX potentially negative months {$1500.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Past due amount {$1500.00} Highest balance - Terms 9 Months Responsibility Individual Your statement- This information is still report incorrectly on my credit reports.

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 2022-12-10 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I purchased gas for my car in the amount of {$67.00} at XXXX XXXX XXXX in XXXX, CA. That charge appeared on our account and is not in dispute. An additional charge of {$320.00} appeared on our account from the same merchant on the same date. I am disputing the {$320.00} charge because I did not make it. 

I contacted the merchant and was told they could not help me and to contact my bank. 
I contacted the credit card company, Chase, and they opened a fraud case. Their conclusion was that it did not qualify as a fraud case. I asked about my options and they advised me to contact their Merchant Dispute department. I did so and they opened a merchant dispute claim. The Merchant Dispute department concluded that it did not qualify as a merchant dispute claim.

For the last 6 months Chase has referred me several times back and forth between the Chase Merchant Dispute department and the Fraud department. Every time each department denied my claim. Most recently I received an update from the Fraud department on XX/XX/2022 again advising me that they were denying my claim. 

At this point I believe I need extra help to get Chase to honor my claim. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-account ending XXXX XXXX XXXX XXXX-account ending # XXXX, XXXX Bank XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXaccount ending XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXaccount ending XXXX XXXX XXXX XXXXaccount ending # XXXX, XXXX XXXX  XXXXaccount ending # XXXX, XXXX XXXX XXXX-account ending XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX-account ending XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-10 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I recently opened a dispute with American Express regarding a transaction of {$1600.00}. American Express kept postponing the dispute decision. After a while, they closed the dispute since they believed " according to the transaction '' circumstances they couldn't verify that the merchant failed to deliver the product. 

This is completely disgraceful since I provided them with proof that the merchant failed to deliver such goods. This leaves worried and anxious to use American Express again because I feel that merchants can get away by breaching the rules of terms and service and AMEX can't do anything about it. 

I am extremely mad and frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Improper use of credit report : Late payments posted to accounts

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 2022-12-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Improper use of credit report : Late payments posted to accounts

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 2022-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did 13 XXXX transactions they were for credit for a game and they scammed me it was fraud I disputed them with my bank but they didn't do anything they closed and said no fraud the other 2 out of 11 were for a computer XXXX and XXXX I want my money back. they scammed me on all of these and there was fraud on there end they didn't even investigate they jus closed my cases. its Wells Fargo the dispute case numbers wit Wells Fargo are 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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 2022-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: IL

Complaint narrative:
My vehicle was stolen at the end of XX/XX/2022, as a result of this it was abandoned and totaled. Ive gotten a police report for auto theft, I had full coverage insurance plus XXXX insurance. Ive notified the lender ( Carmax Auto Finance ) no one helped me and my claims were denied leaving me with debt I can not afford as well as no transportation. XXXX insurance did an appraisal via email/pictures. No one physically came out to inspect my vehicle. Ive gotten a separate appraisal stating it was total as well as XXXX separate repair shops stating my car was totaled. My insurance company did want to accommodate me and Carmax told me it wasnt totaled without seeing my vehicle as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. 
It is the result of identity theft. ACCOUNT : XXXX XXXX # XXXX, Account : XXXX XXXX  : # XXXX, ACCOUNT : # XXXXXXXX XXXX XXXX, ACCOUNT : # XXXX XXXX, ACCOUNT : XXXX XXXXXXXX XXXX XXXX # XXXX I filed identiy theft with the IRS, FTC, and the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. ACCOUNT : XXXX XXXX # XXXX, Account : XXXX XXXX : # XXXX, ACCOUNT : # XXXX XXXX XXXX, ACCOUNT : # XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX  XXXX # XXXX I filed identiy theft with the IRS, FTC, and the police.

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 2022-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I had got side track cause of the inflation had went up and damaged my finance by the government and trying to get back on track to bring my account current as possible and i explain it to the company they put me on a payment arrangement and it work but the inflation still hurting my finances.

Company response to consumer: Closed with explanation