vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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:
XX/XX/20 : CALLED CHASE TO REPORT 2 UNAUTHORIZED CHARGES TRANSACTION # 1 : XXXX {$270.00} TRANSACTION # 2 : XXXX XXXX APPROX {$190.00} XX/XX/20 : CREDIT FOR BOTH TRANSACTIONS WAS POSTED BACK TO MY ACCOUNT XX/XX/20 : THE CREDIT FOR THE XXXX TRANSACTION OF {$270.00} WAS WITHDRAWN FROM MY ACCOUNT AGAIN. I CALLED TO FOLLOW UP. SPENT ABOUT 4 HOURS TRYING TO REACH SOMEONE. WAS CONSTANTLY TRANSFERRED & LEFT ON HOLD FOR 30-60 MIN AT A TIME. WAS HUNG UP ON. UNTIL I FINALLY REACHED A SUPERVISOR WHO LET ME KNOW THAT THE CLAIM WAS DENIED BC I HAVE PREVIOUS PURCHASES FROM XXXX & THEREFORE IT WAS DECIDED I HAD TO HAVE MADE THAT PURCHASE. 
THE SUPERVISOR AGREED THAT ME HAVING PURCHASED FROM XXXX BEFORE WAS NOT PROOF THAT THIS SPECIFIC TRANSACTION WAS MADE BY ME & SHE APOLOGIZED BUT TOLD ME THEY CAN NOT REOPEN THE CLAIM W/O DOCUMENTATION STATING THAT I DID NOT MAKE THE PURCHASE. I ASKED HOW AM I SUPPOSED TO PROVIDE DOCUMENTATION ... IF I NEVER MADE THE PURCHASE THAT MEANS I WOULD NOT RECEIVE ANYTHING. 
NONETHELESS, I FAXED THEM A SCREENSHOT OF MY ORDER HISTORY FROM MY XXXX ACCOUNT. 
XX/XX/20 : I CALLED TO FOLLOW UP AS TO WHETHER OR NOT THE FAX WAS RECEIVED & IF IT WAS ENOUGH TO REOPEN THE CLAIM. THE PERSON ON THE PHONE WAS UNABLE TO CONFIRM WHETHER OR NOT IT WAS RECEIVED. SHE WAS UNABLE TO CONNECT ME WITH SOMEONE THAT CAN CONFIRM & THEY DID NOT WANT TO PROVIDE ME W/ AN EMAIL WHERE I CAN SEND THE SCREENSHOT TO. 
THE HANDLING OF THIS CLAIM WAS WRONG TO BEGIN WITH, YOU CAN NOT PRESUME THAT BECAUSE I HAVE SHOPPED AT A LOCATION BEFORE THAT I AUTOMATICALLY AM RESPONSIBLE FOR THE FRAUDULENT ACTIVITY ON MY ACCOUNT. 
AFTER THAT BEING NOTED, IT SHOULD BE MORE THAN ENOUGH TO HAVE THEM REOPEN THE CLAIM & REVIEW THE TRANSACTION A LITTLE MORE. 
I WORK VERY HARD TO MAKE ENDS MEET & THIS IS A SIGNIFICANT AMOUNT FOR ME, WHEREAS CHASE HAS INSURANCE IN PLACE FOR THIS. & I AM SUPPOSE TO TRUST BANKS TO TAKE CARE OF THE FUNDS I AM DEPOSITING AND I AM SUPPOSE TO COUNT ON THE CUSTOMER SERVICE DEPARTMENT AS BUT THEY ARE DISMISSING ME AND MAKING ME WORK AND INVEST TIME ALL OVER AGAIN FOR MONEY I HAVE ALREADY EARNED

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB has placed several accounts on my 3 credit bureaus that are not mine. I am a victim of identity theft. These accounts are not mine. A hacker created these accounts form information they stole on the dark web as the result of the XXXX Data Breach

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 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: N26 Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I attempted to withdraw {$1000.00} from an N26 checking account held by me since XX/XX/XXXX of XXXX and was denied the withdrawal from the bank. I attempted twice more in {$500.00} increments, double checked my pin, and then called customer support and was told that the settings for deposit and payment limits would need some time to change over ( this has never happened previously, nor was I informed of any change to the system ). 

On XX/XX/XXXX, I tried to withdraw {$500.00} again and was denied the transaction by the ATM. I ignored it for the time being. I went home and tried to pair the new phone I had been using for several months, with the app ( previously I had unlinked my old phone and since I barely use this card, I didn't immediately decide to update the information via the app ). I decided to hit up the online chat and was informed that my account had been suspended for an undisclosed reason and that I would be emailed by a specialist in the future. The online chat then proceeded to close the chat. I was never notified previously of suspicious activity or suspension via app or email. 

I reattempted this several times and was met with the same response. I called the support number and found that my number has been blocked with a pre-recorded message which reported the same message I had received from support ; 'Your account has been suspended and you will be contacted by a specialist '. 

It is now the XXXX, and I no longer have access to the card via the app, the card has been removed from my account and I am frozen out of my own account. Further research into similar issues shows a history of never resolving the issue. 

I also have gone to the bank that N26 uses in some way to provide financial service in the U.S. and despite the information provided on the N26 website, XXXX seems to refute those claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is an ongoing issue with Resurgent. CACH, LVNV they are all run by the same person CEO XXXX XXXX. He is the one responsible for the companies he runs. Many years ago a default judgement was obtained against me by CACH LLC the courts were told I had been served. A lie, I would later prove. I was a victim of identity theft which was reported to the FTC, the police, the social security admin It was reported to all three credit bureaus.I sent this paperwork to all the bill collectors at and everyone was so willing to help and change the way I had been reported. Everyone except XXXX companies. In fact I couldn't get anyone to talk to me all they wanted was my money and I owed nothing. Had they read the paperwork I sent to them at least 15 times they would have seen just how bad the identity theft was. They would have realized that it was not me but someone using my social security number. It could have been taken care of 12+ years ago on some of the larger credit cards. Some did sneak in in XXXX XXXX and nothing now for 5 years. But Resurgent didn't do that they kept reporting me to the three credit bureaus like I was a deadbeat. And they personally ruined my credit bu double reporting on cards, be not reporting that there was identity theft and even today you can see by their response to my last complaint how wrong they are. XXXX wrote a reply he said that my XXXX XXXX card XXXX was activated in XXXX Please see the attached. They have continued to report false untrue wrong things on me. And it doesn't matter that they to date still are reporting me and I am sorry I have been punished for a lifetime because of them. I have had to pay higher insurance rates, I have not had a new car, I cant get a traditional bank account and I am XXXX. Why because good credit opens doors and they have only slammed in my face and this had nothing to do with me. I was the victim they knew this and didn't care. In XXXX they were reporting me double LVNV and Resurgent on the same cards so it looked like two. I have attached my response to XXXX and it will show that my card XXXX was not active as he states in XX/XX/XXXX and I do not owe a XXXX. Again now they are going to remove items off my report They need to remove them the right way not a charge off as they have done with other accounts. Its called Identity theft nothing negative should be on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There's a someone else 's bank of america credit card account on my XXXX credit report. That account is shown with status charge-off, which drag my credit score down. I was trying to fix this with XXXX  and bank of america. I submitted dispute to XXXX twice to have that account removed, both rejected with reason : " The company that reported the information has certified to XXXX  that the information is accurate. '' Called them multiple times, they always ask me to dispute this with bank of america. I called and disputed this to bank of america too and got a reply of " we have reported correctly to XXXX  please dispute with XXXX ''. I discovered this error on my report one year ago, these two companies pass the buck to each other and the issue still not resolved.

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-08-25 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: AR

Complaint narrative:
I contacted Transunion, XXXX, and XXXX about 3 months ago asking them to remove his inaccurate information from my report. 

The following personal information is incorrect. Please remove this inaccurate information from my credit report. 
1. The following personal information is incorrect XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The following personal information is incorrect XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit 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 2020-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
We paid off a student loan in XX/XX/XXXX and Wells Fargo continues to take {$22000.00} out of our banking account until XX/XX/XXXX. We have been unable to get refunded the {$8200.00} or more in debits they took out of our checking 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 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
The debt collection entity Rash Curtis & Associates violated FDCPA 3 times : # 1 ) Refusing to stop collections after receiving a debt validation letter on XX/XX/XXXX through fax and email ( they said they did not send a certified letter for the first interaction ) # 2 ) Credit Reporting a debt that is disputed on XX/XX/XXXX # 3 ) Re-aging a debt that originally was opened on XX/XX/XXXX, re-opening to XX/XX/XXXX. 

The origin of this {$630.00} medical debt is an emergency security charge that was not charged under employee medical insurance nor was signed or authorized by me. 

Rash Curtis & Associates XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I received a bill today XXXX XXXX regarding a bill of XXXX XXXX and XXXX XXXX dollars for a hospital bill. The bill was apparently on XX/XX/XXXX from a non profit hospital, that billed my insurance, and after I filled financial medical assistance paper. I didnt receive any bills afterwords, and looking at the Online billing with a balance or XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The credit reporting agencies is not updated my credit file my car loan is not on all three of 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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have tried several times over the last year to get an Apple Card Credit card issued through Goldman Sachs. I have been denied each time even though I meet all credit criteria. The reason given in the email that is sent to me on rejection is that I have been recently past due. This is based on my XXXX  credit report. I monitor all of my credit reports and the last time I was past due on anything was over four years ago. 
I have contacted Goldman Sachs several times and have asked them to review my application. They can not tell me what they mean my recently past due and they say they can not manually review my application. I have twice asked for a case to be opened for someone to look into an issue with the algorithm and they refuse. 
They just say they can not approve my application. I am asking for clarification of their criteria and a manual review of my application. 

I am happy to provide my credit report if needed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I disputed negative and inaccurate and incomplete information on my credit report with all three bureas Transunion, XXXX XXXX on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.

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 2020-08-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I disputed negative and inaccurate and incomplete information on my credit report with all three bureas XXXX, XXXX Experian on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.

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 2020-08-25 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: URS Holding, LLC
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The  presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 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: AR

Complaint narrative:
I contacted XXXX, Equifax, and XXXX  about 3 months ago asking them to remove his inaccurate information from my report. 

The following personal information is incorrect. Please remove this inaccurate information from my credit report. 
1. The following personal information is incorrect XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The following personal information is incorrect XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AR

Complaint narrative:
I contacted XXXX, XXXX, and Experian about 3 months ago asking them to remove his inaccurate information from my report. 

The following personal information is incorrect. Please remove this inaccurate information from my credit report.

1. The following personal information is incorrect XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The following personal information is incorrect XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit 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 2020-08-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The credit reporting agencies is not updated my credit file my car loan is not on all three of my credit reports

Company response to consumer: Closed with explanation