vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase unilaterally decided to close my Chase Sapphire Preferred account ending in XXXX on the basis that I've submitted an increasing number of disputes related to my abroad travel from XX/XX/XXXX to XX/XX/XXXX. As I've explained in detail in numerous communications with Chase 's customer service team members, these disputes have merits, and in no way did I abuse their dispute function. In a very detailed letter, I outlined the history and details of these disputes in support of my claim that these disputes are all submitted in good faith, and thereby demanding that my account be reinstated immediately. This letter was submitted on XX/XX/XXXX, via Chase 's internal Secure Message and via postal mail. I have not received a response. A copy of Chase 's original notice of closure of my account and a copy of my response letter are attached in this complaint. If Chase does not reinstate my account immediately, I am ready to rally my resources to mount a vigour legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
IRA CD with BMO Harris Bank matured XXXX XXXX Transfer of funds request submitted to BMOHarris Thursday XXXX delivered overnight by XXXX tracking # XXXX ... received at their XXXX WI office at XXXX XXXX XXXX XXXX from XXXX XXXX XXXX 
Repeatedly called customer service to determine when funds would be transferred to my XXXX XXXX IRA account, as per written request already received ... .BMO staff would never answer question about transfer timing, and issued contradictory statements regarding receipt of instructions ... yes we have them ... no we don't have instructions? 
XX/XX/XXXX telephone conversation with XXXX of Resolutionn team ... she confirmed receipt of XXXX instructions and told me funds would be at XXXX by Monday XX/XX/XXXX. 
XX/XX/XXXX ... no funds received by XXXX ... called XXXX back XX/XX/XXXX and XXXX XXXX-no response. 
XX/XX/XXXX telephoned another Resolution team member..XXXX XXXX. XXXX tells me that XXXX instructions can not be located..contradicting what I was told XX/XX/XXXX by XXXX. 
Nearly XXXX weeks after Maturity, I still do not have funds at XXXX and can not determine when I will have funds at my XXXX account ... no specific information provided by BMO Harris Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX of XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach. 

This is my 2nd attempt to get this matter resolved. My 1st attempt was sent in on XX/XX/XXXX .Any further attempts will include additional complaints to the XXXX as well as my States Attorney General. 

Absolutely nothing in my complaint could reasonably given rise to the suspicion that it was not sent by me. The classification of my complaint as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letters and complaints in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the items in question from my report ASAP.

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have disputed this debt with experian multiple times and asked them to properly investigate this debt from XXXX XXXX for {$3400.00} that is on my credit report. I sent a written letter to XXXX XXXX requesting proof of this debt that it was opened by me as it was not. XXXX XXXX failed to do so, and experian has failed to investigate this debt properly under FCRA section 611. It is illegal for experian to continue reporting a false debt on my report. XXXX XXXX has never shown the copy of the government ID that was used to open this debt. If XXXX XXXX has no proof of who opened this debt, how is experian saying it is valid? They are just asking XXXX if it is valid and accepting a yes as validation. I will be forced to take legal action with experian if they do not properly investigate and remove this from my credit report as this is not debt and was never opened by me. This has caused problems in my life for me and my family and experian should not be allowed to report credit when they do not follow the law and investigate debts on peoples account properly. Experian is only helping these corporations with putting false debt on peoples account and ruining there lives. Please ask experian to show the proof that they got for this debt as they have never provided it to me as there is no proof because i did not open this debt.

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 2021-05-04 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I have tried to contact SageStream credit reporting agency to lift a security freeze on my credit profile so that I maybe able to access new credit. I am unable to reach a representative or get help with this matter because SageStream is not currently responding to my telephone calls. I would like to file a complaint against them for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: NJ

Complaint narrative:
Just a few weeks ago, after I pulled my credit report from XXXX and review it, I found out multiple collection accounts that were not mine, also multiple false addresses on my credit report. Several years ago, I lost my personal documents, that could be one of the reasons of why those unknown accounts were on my credit report. After reviewing my credit report, I have no other reason but to believe that I am a victim of Identity Theft issue. The following collection account does not belong to me and/or any transaction I had made : alleged account with AMERASSIST AR SOLUTION ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial
State: MI

Complaint narrative:
Went to a XXXX XXXX XXXX XXXX XXXX to have some front end work done only applied for snap credit and was approved to pay for the repairs later I discovered I was charged for some rims and tires through West Creek Financial that I never purchased are applied for west creek financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 2nd attempt to get this matter resolved. My 1st attempt was sent in on XX/XX/21 .Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Since COViD started Synchrony bank has constantly reduced my credit limit. I received no notification of this happening but they claim its in their paperwork. I receive over the limits notifications from the credit reporting agencies every time it happens. I have been paying my card on time and they keep reducing my limit where I have to pay high interest because the balance is higher than the limit due to the m constantly dropping it.

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 2021-05-04 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Background with original merchant ( XXXX XXXX XXXX ) : I ordered {$630.00} worth of items from XXXX XXXX XXXX ( the website no longer works now ... ) back in XX/XX/XXXX with an original time window to receive the items by end of XXXX. According to their website, they then delayed the goods until end of XXXX. I reached out on XX/XX/XXXX where they said items would be shipped early XXXX - this would be the last time I would receive any communication from the company. On XX/XX/XXXX, I requested an update on the order status, and on XX/XX/XXXX after a 72 hour window in accordance to their company policy, I officially requested a refund from the company. 

Credit card chargeback process with Citibank : On XX/XX/XXXX I initiated a credit card chargeback through Citibank 's portal, and supplied all relevant info towards the non-delivery of goods. This includes the original receipts, screenshots of their website, original timelines & delays, official communication from their customer service department ( and subsequent failures to respond ) including a refund request per the merchant 's policy listed on their website. On XX/XX/XXXX I received communication that the investigation has been closed, despite the Merchant responding with insufficient evidence to say they have provided any service for the charge. I have not received any goods, and their information they provided only lists the credit card charge details and address for delivery without any receipts or tracking numbers showing goods have been delivered or are in transit. I have provided all my details and have to appeal the decision to close the investigation despite all information provided working in my favor. As of XX/XX/XXXX the charge still exists on my card.

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 2021-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My husband passed away on XX/XX/2020 shortly thereafter his identity was stolen. I started receiving credit card statements with charges in other states than the state I reside in. I have been trying to work with the credit card company for over 1 year without any success. The credit card moved all of the fraudulent charges from my husband 's name to my name and now they are trying to hold me responsible. I am a senior citizen and do not deserve this type of treatment. I have had enough to deal with losing my spouse of 50 plus years. I had the same issue with other credit card companies and the fraud was resolved within 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have tried disputing a credit card thats on my credit from Bank of America that has been on my credit for 7 years and 1 month now and they still have not removed it I tried disputing with the three credit bureaus but they dont change it or fix it under the fair credit reporting act this should no longer be on my credit after 7 years and I want it removed immediately please.

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 2021-05-04 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: LEXISNEXIS
State: NY

Complaint narrative:
I have tried to contact XXXX credit reporting agency to lift a security freeze on my credit profile so that I maybe able to access new credit. I am unable to reach a representative or get help with this matter because XXXX is not currently responding to my telephone calls. I would like to file a complaint against them for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am an heir at law to my late fathers estate, ( he & his last wife are both deceased now without wilIs ) I am not the borrower of these loans but I am the being sued for them. I don't have money to pay them, I do not have a home of my own. 
XX/XX/XXXX i was served with written package # 2 foreclosure Summons from court ; AFTER FORECLOSURE HAD BEGAN ( Nationstar Mortgage/ Mr.cooper ) *XX/XX/XXXXforeclosure # 2 began in court. ( Nationstar mortgage / Mr.cooper ) *XX/XX/XXXX Foreclosure # 1 began in court. ( XXXX XXXX XXXX ) * I was never served with this # 1 summons ( XXXX XXXX XXXX ) my u.s. constitutional rights as an american citizen of the U.S. were violated due to the fact that my brother ( other heir ) was served & given the option to buy this estate for only {$5000.00}. But I was never offered this option= unfair treatment /discrimination practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT OPEN. THESE FRAUDULENT ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. I DEMAND THESE ACCOUNTS BE REMOVED IMMEDIATELY.

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 2021-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I applied and received a capital one platinum secured card in XX/XX/XXXX. I paid a deposit to my credit limit and was told that after six months my card would go under review to be unsecured and the deposit money would either be returned to me or put towards paying the balance on the account. In XX/XX/XXXX I called to find out about getting it unsecured and was told that anyone with 100 % payment history was being reviewed to become unsecured and I would hear from someone soon, and never did. 
Now two years later I have had one smallCredit increase and can not get anyone to talk to me about why or why not my card can be graduated. Today I spoke with a senior account supervisor named XXXX who told me that the secured card Component does not take phone calls or talk to anyone. And she had no answers for me except for Im not sure and Im sorry. I also have a second card with the same company, that was offered to me unsecured, no interest for the first year and a much higher credit limit to start and I have had that card just a few months less than the other one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I tried to send AFFIRM INC a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which AFFIRM INC is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. I already paid the account. 

I never received any response from them and they did not update the credit report as disputed. 

AFFIRM INC is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: FL

Complaint narrative:
I am writing to delete the following information on my file. The items I need deleted are listed on files attached. 

I am a victim of identity theft and did not make the charges. I ask that all the items be deleted off my credit report. 

I reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks in advance for your time. 
- XXXX

Company response to consumer: Closed with explanation