vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: EAST WEST BANK
State: CA

Complaint narrative:
My employer opened a business checking account at East West Bank XX/XX/2021. Also before the opening, the banker XXXX XXXX ( XXXX ) claimed it was free over the phone call but after the opening he said HE WAS NOT SURE and then he has been ghosting me for weeks for any email correspondence. This unprofessionalism and unresponsiveness for customers is beyond acceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: NJ

Complaint narrative:
On XX/XX/2021, I reported 16 unauthorized charges to my Chase Amazon VISA Credit Card totaling {$1500.00} as soon as I saw the charges posted on my account. The Chase agent told me that they would remove the unauthorized charges. 

On XX/XX/2021, I received a letter from Chase, dated XX/XX/2021, telling me that of the {$1500.00} unauthorized charges they are responsible for {$140.00} and I am responsible for {$1400.00}. The reason given for all 3 of the charges that I was allegedly responsible for was : " You received benefit from this transaction ''. However they don't say how ( i.e. they presented no proof ). Note : All but 3 of these 16 charges occurred within 5 days. 

On XX/XX/2021, I sent a letter to Chase telling them that I dispute their assumption that " I received benefit from 3 of the unauthorized transactions '' on my account. I stated for the record that : 1. I did not buy any airline tickets 2. I did not take any flights 3. I did not authorize any other person to take any flights 4. These transactions are criminal and fraudulent 5. I have no idea how anyone got access to my data. 
And I requested that they take another hard look at this matter and get back to me as soon as they reasonably could do so. I also said that I expect one of two outcomes, ( 1 ) they accept full responsibility or ( 2 ) they provide proof that " I received benefit from the transactions ''. 

On XX/XX/2021, I received a letter from Chase confirming their previous finding that the 3 disputed transactions were valid and I was responsible for payment. They did not provide any details or proof to support their findings despite my request. 


I am a victim of Identity Theft and Fraud and Chase VISA has failed to recognize this. I reported {$1500.00} unauthorized charges and Chase accepted responsibility for only {$140.00} and said that I am responsible for {$1400.00}. The reason given for all 3 of the charges that I was allegedly responsible for was : " You received benefit from this transaction ''. However they don't say how ( i.e. They did not provide any details or proof to support their findings despite my request )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
on XX/XX/2021, i sent a letter to transunion about some incomplete and inaccurate items that there are reporting on my credit report and has not verified them.i sent it usps certified mail w/tracking # XXXX and hasn't heard from them as of yet. 
on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX and hasn't been verified, on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX about inaccurate information as well with no verification.

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 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
1. I reported my card stolen on XX/XX/21 in XXXX, XXXX 2. Chase representative said that I initially reported the card as lost and in my possession. Therefore, Chase denied my claim on XX/XX/21. Chase scheduled to charge back the {$2400.00} in credits to my account causing an overdraft amounting to - {$2100.00} on XX/XX/21. 
3. I called the claims department and asked why and this is when they informed me that the claim was filed incorrectly by one of their representatives. They asked me to submit the police report for a second review. 
4. I attempted to submit the police report and a statement of what happened on XX/XX/21 ( attached document ) however, it did not go through and Chase never received it. 
5. I attempted once more on XX/XX/21, this time by going to a Chase Bank branch. 
6. On XX/XX/21, I verified that they had received the documents. 
7. Today, XX/XX/21, I was informed that Chase determined " We found that the transaction ( s ) was processed according to the information you provided or was authorized '' and followed up with " No adjustment will be made to your account at this time. '' 8. So I called the claims department and they said there was nothing they can do and that the claim was denied because they determined I still had the card in my possession. They further added that if new evidence comes up they can reevaluate but that it's not possible to resubmit the claim for a third review. The representative also accused me of " changing my story '' even though the truth is that I was robbed and my cards were taken and used fraudulently without my consent 9. Another thing that I did mention to the representative on XX/XX/21 was that I didn't know " XXXX XXXX XXXX '' was a " Hospital '' merchant and so I recognized the charge was likely from a COVID rapid test I got since I was getting ready to leave XXXX for my home in XXXX ( as you know, President Biden requires a negative COVID test for entry into the US regardless of vaccination ). 
10. I submitted a police report. Why would I lie to the police? In the report, it states that the perpetrators stole my Chase/XXXX XXXXXXXX cards. XXXX XXXX swiftly removed the unauthorized charges and they have remained off. Chase did not do so and by doing so it is hurting me financially as payments set up on autopay are being rejected constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
on XX/XX/2021, i sent a letter to XXXX about some incomplete and inaccurate items that there are reporting on my credit report and has not verified them.i sent it usps certified mail w/tracking # XXXX and hasn't heard from them as of yet. 
on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX and hasn't been verified, on XX/XX/2021, i sent a letter to Equifax w/tracking # XXXX XXXX XXXX XXXX XXXX about inaccurate information as well with no verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Class Action Lawsuit against Santander USA during this time against the Fair Credit Report Act ( FCRA ) violations or Fair Debt Collection Practices Act ( FDCPA ) violations. 

Negative remarks are crippling my score from a XXXX+ to a XXXX when pulled for a new auto loan. 

Only negative remark on my score. Account has been closed for over 5 years. 

This is crippling in today 's society. 

Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CA

Complaint narrative:
I am having issues with Experian. They are reporting that I was late on my target account which is 100 % wrong. I have never been late the other two bureaus are showing no late payments. I understand that they are all different but when all three are reporting the same account they all should be reporting correctly .I want this late remove my from my 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 2021-08-19 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: FirstPoint Collection Resources
State: GA

Complaint narrative:
Firstpoint Collection Resources Inc. ( Firstpoint ) is in violation of the FDCPA. XX/XX/2021 an FDCPA demand letter was sent to Firstpoint and received, as evidenced by my credit report status for this account being updated to " Consumer Disputes This Account Information. '' Legally the collector has 30 days from receipt to respond with proof requested, including that I owe the debt and they have legal right to collect the debt, their license to collect debts in my state, and original contract I signed with the original creditor. Firstpoint ignored the letter and failed to respond within 30 days. As a result, legally Firstpoint must cease collection efforts, remove negative items on my credit report, or send a letter stating negative items were placed on my credit report in error. However, Firstpoint has reported to XXXX, as recent as XX/XX/2021, their information is accurate. Again, please be advised I did not request a " verification of debt '', but a validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: VA

Complaint narrative:
on XX/XX/2021 I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: FL

Complaint narrative:
XX/XX/2021 Consumer Financial Protection Bureau Dear Gentlepersons, This is a complaint against Experian XXXXXXXX XXXX XXXX  XXXX TX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX TN XXXX The companies that are listed above are reporting a collection account on my credit report that is erroneous. The listed original creditor is XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX CA XXXX. I have informed the companies that I paid for services and found that the dentist, XXXX XXXX XXXX, charged my credit card for {$2000.00} even though she was paid by the insurance company for services. The erroneous collection account appeared on my credit reports after I filed a complaint against XXXX XXXX XXXX with the appropriate governmental agencies. 

I am asking for disciplinary action against the three companies listed above and immediate removal of the derogatory collection account on my credit record. 

Thank you in advance for a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : 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 2021-08-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/XXXX DEPT OF ED Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: Capital Accounts, LLC
State: FL

Complaint narrative:
XX/XX/2021 Consumer Financial Protection Bureau Dear Gentlepersons, This is a complaint against XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX and Capital Accounts XXXX XXXX XXXX XXXX TN XXXX The companies that are listed above are reporting a collection account on my credit report that is erroneous. The listed original creditor is XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX. I have informed the companies that I paid for services and found that the dentist, XXXX XXXX XXXX, charged my credit card for {$2000.00} even though she was paid by the insurance company for services. The erroneous collection account appeared on my credit reports after I filed a complaint against XXXX XXXX XXXX with the appropriate governmental agencies. 

I am asking for disciplinary action against the three companies listed above and immediate removal of the derogatory collection account on my credit record. 

Thank you in advance for a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2021 Consumer Financial Protection Bureau Dear Gentlepersons, This is a complaint against XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX, Equifax XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX TN XXXX The companies that are listed above are reporting a collection account on my credit report that is erroneous. The listed original creditor is XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX CA XXXX. I have informed the companies that I paid for services and found that the dentist, XXXX XXXX XXXX, charged my credit card for {$2000.00} even though she was paid by the insurance company for services. The erroneous collection account appeared on my credit reports after I filed a complaint against XXXX XXXX XXXX with the appropriate governmental agencies. 

I am asking for disciplinary action against the three companies listed above and immediate removal of the derogatory collection account on my credit record. 

Thank you in advance for a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
My Student loans had been in forbearance during a gap ( XXXX ) period that I spent XXXX XXXX in XXXX. Ive since gone back to school. I called Navient, to explain my situation and get info on my payment options during this period. The navient rep suggested placing my loans in forbearance during the gap and that I just needed to make sure and reply to their emails when came time to renew my forbearance. In XX/XX/XXXX I realized I had a late payments for all Navient loans from XX/XX/XXXX on my credit report. I contacted them XX/XX/XXXX and was told that my forbearance renewal date fell a few days before their XX/XX/XXXX reporting date and that they did not receive my request until the first of XXXX, I explained, however, that I had received the renewal email XX/XX/XXXX ( was early morning the XXXX for me in XXXX ) and replied the same day XX/XX/XXXX. He said there must have been an error and started a dispute and asked me to provide him with the emails in order to get it sorted out. I provided both the email I received and my reply along with the original emails. He was very helpful but it took the department until XX/XX/XXXX to reply, after I had called many times and finally spoke to someone higher up. 

After speaking to them the decision was emailed to me and states they can not change the error bc their system shows XX/XX/XXXX and believe the documents I sent have the potential to be faked/edited. So I again reached out to the manager I last spoke to, again everyone I spoke to was very helpful and nice, but stated her hands were tied but allowed me to provide more evidence authenticating the email and when it was sent in case it would change the situation but couldnt guarantee anything. So Ive sent the header using XXXX XXXX XXXX XXXX XXXX, highlighted the IP/time stamps to both the received and sent email ( original ), the message ID, and emails web archive, but as stated I was told they likely wont change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MCM MIDLAND CREDIT MANAGEMENT SENT ME A LETTER COUPLE OF MONTHS AGO. THEY WERE REPRESTING XXXX XXXX  SAYING I OWED XXXX DOLLARS FOR XXXX XXXX XXXX  NOW I RECEIVE A LETTER THAT I OWE XXXX OFFERING ME A 10 % DISCOUNT. THE AMOUNT HAS TRIPLED. THIS IS A SCAM OR PREDETORY COLLECTION PRACTICES. 
THEY HAD A CLASS ACTION LAWSUIT IN XXXX AND ANOTHER IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I previously had an account with XXXX back in XXXX. Upon making payment in XXXX of XXXX ; my service was disconnected days later. When I called to find out why my service was disconnected ; I was informed by XXXX that it was a mistake on their end due to miscommunication between the payment processing department and the service department. They waived the reconnection fee as a result. The following month XX/XX/XXXX, the same thing happened and when I called in to find out why service was disconnected I was given the same reason and they waived the reconnection fee again. The following month after that XX/XX/XXXX ; the service was disconnected again days after payment was made for the third time in a row and at that point I did not call XXXX back to reconnect the phone as they were in breach of our contract for not providing reliable service with payments being made on the account. This is why the only outstanding debt that is trying to be collected is an early termination fee. The reality is XXXX breached the contract so if anyone is entitled to an early termination fee ; it is I who should be entitled to collect an early termination fee from XXXX. 

EOS CCA bought the debt from XXXX years later and are reporting that the account was opened on XX/XX/XXXX. The XXXX account was opened prior to XXXX and closed in XXXX. I have contacted EOS numerous times asking for them to provide a contract showing that I opened the account on XX/XX/XXXX which they have failed to respond to or provide paperwork supporting as such ( because it does not exist ). I currently have XXXX which I opened the third time that XXXX disconnected my phone after payment was already made and my XXXX account was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation