vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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:
I recently received my Experian credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX and XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.

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 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2019 : Called Chase customer service line and complained that I keep getting a NSF charge on my account and would like it removed. They said that they have no proof that I paid that amount which is {$820.00}. I told them that I have proof of my payment, they then told me that I had written a bad check to them XX/XX/2019 in the amount of {$740.00}, which I did not. I would not normally seek action on something so trivial, but this has been going on every month now since XXXX. I'm sure that I'm not the only one being wrongly charged by Chase. Can you please look into this for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CA

Complaint narrative:
this loan has been paid off. I paid the account right away and now found out that the account appears as a paid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. CFPB step up and fix XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to place a permanent security freeze with Equifax. 

On XX/XX/XXXX, I attempted to register on their website. I answered the security questions to the best of my ability, but the website indicated that they were unable to proceed with registration. They offered the option to send a registration code to my address by mail, which I accepted. 

On XX/XX/XXXX, the registration code arrived. I entered this code into the Equifax website, but it was again unable to proceed with registration. ( No reason given. ) The only provided option was to call their hotline, which I did. 

The representative asked several security questions, which I apparently failed. As a result, they were unable to help by phone. I suspect that they may have incorrect ( possibly fraudulent ) information on file, which is preventing me from authenticating properly. 

As a result, I'm in a catch-22. They insist I can't place a freeze until they verify my identity, but I can't verify my identity because they are comparing my " security '' questions against invalid answers. Please help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: DISCOVER BANK
State: CA

Complaint narrative:
I recently received my XXXX credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX and DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery has failed more than 3 times to provide me with the original instrument of indeptedness is its original form. i have contacted them repeatedly but all i received was a generic answer using their e oscar and not the proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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:
this loan has been paid off. I paid the account right away and now found out that the account appears as a paid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. CFPB step up and fix 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 2019-07-30 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: CA

Complaint narrative:
I know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix XXXX XXXX XXXX  XXXX XXXX, delete also the duplicate entry on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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:
I know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix XXXX XXXX XXXX  XXXX XXXX, delete also the duplicate entry on this account

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 2019-07-30 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: CA

Complaint narrative:
I have never been late on this account. The date of last activity is incorrect. How can this account be charged off when I paid the account in full not late? Equifax violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX, XXXX XXXX XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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 requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete ALTERNATIVE XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX   CREDITOR ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CA

Complaint narrative:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX  ( ORIG CREDITOR : XXXX   XXXX XXXX  XXXX XXXX ), XXXX XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 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 2019-07-30 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: CA

Complaint narrative:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete ALTERNATIVE XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX   CREDITOR ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 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 non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates, XXXX  is reporting another dept illegally. they did not showed me the original instrument of indeptedness in its original form. i have asked them more than 3 times and they kept sending me the same generic answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was under the impression that I was sending deposits for an apartment to someone in the XXXX housing department. I was instructed to send exactly {$4800.00} via XXXX. On XX/XX/2019 I was instructed to show up for a viewing when I was arrived there was no one there. I sent messages and called to no avail so at this moment the scam was unveiled and I discovered there was no apartment. I called XXXX who then instructed me to call my bank to receive my funds back. After getting off the phone with XXXX I called Bank of America who told me they would take anywhere from 10-45 days to make a decision and on XX/XX/2019 they sent me a letter in the mail to tell me I authorized the payments and therefore they would not refund my money. What I do not understand is why I spoke to someone from XXXX who told me I could receive my funds back but since XXXX and Bank of America are separate entities my bank needed to request a refund on my behalf so I want to know why Bank of America will not refund 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 2019-07-30 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: TN

Complaint narrative:
On XX/XX/2019, I made a hotel reservation for the weekend of XX/XX/XXXX using my Chase credit card through XXXX. Due to a medical emergency with my fiance, I had to cancel my room on the morning of XX/XX/XXXX with XXXX. I was told to use my travel insurance from XXXX which is sold by XXXX. After XXXX wanted a copy of her ER paperwork, which she didn't feel comfortable releasing at the time, I used my credit card company 's dispute process. The rep disputed both the hotel charge and the insurance fee I was then issued a refund. On XX/XX/XXXX I got a call from Chase saying that there is a no refund policy with XXXX and there was nothing they could do about it. I then received a letter from XXXX stating that since the insurance disputed I can't file a claim. Now I am on the hook for {$480.00} for a hotel that I never went to with no way of getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a wire to XXXX XXXX in XXXX TX who did not honor our agreement despite multiple attempts to fix the issue. 

Therefore, in XXXX, I disputed the item with JP Morgan Chase. They issued a temporary credit and I thought that was the end of it because I doubted XXXX would rectify it through them either. 

However, Chase is now refusing to honor the chargeback because despite using a debit card, I had wired the money. Their ridiculous claim is that since XXXX XXXX processed the money, it was against them and that it was verified. I specifically advised that the money was a payment for a service not rendered. They don't care about that. I would appreciate someone remind the bank that it is a chargeback for services not rendered and therefore, my chargeback should not be reversed and that they should fight with XXXX XXXX where XXXX has his fraudulent assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90 days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status..XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Qvc retail account changed the date of payment due date without informing me. I made payments by the date the bill had been paid for the past few years then found out the I was not paying enough as late fees were being assessed.

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 2019-07-30 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: GA

Complaint narrative:
I AM A VICTIM OF ID THEFT. THESE INQUIRIES THAT ARE LISTED IN MY FTC REPORT ARE NOT MINE. I HAVE NEVER APPLIED FOR ANY OF THESE PRODUCTS. I HAVE SUBMITTED THE PROPER DOCUMENTS TO BLOCK THESE INQUIRIES FROM MY CONSUMER REPORT.

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 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I had a total of 37 transaction dating back to XX/XX/2019 to XX/XX/2019 where I filed a dispute with HSBC because I never received the items I purchased. On XX/XX/XXXX of this year, I filed a dispute on all these transactions following the protocol HSBC advised me of. I was told the merchant has 45 days to respond to my dispute and if they haven't, I would be refunded my money. As of today 's date, which is the 50th day, I have not received my funds nor had the bank communicate to me as to why I haven't received it even though they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: FL

Complaint narrative:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status..XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX , XXXX, 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 2019-07-30 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: FL

Complaint narrative:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status..XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-07-30 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: VA

Complaint narrative:
XXXX has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90  days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.

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 2019-07-30 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: VA

Complaint narrative:
XXXX has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90 days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.

Company response to consumer: Closed with explanation