vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was issued a Chase Southwest credit card. Four fraudulent withdrawals from ATMs after my wallet was stolen from a golf course. After I submitted the requested police reports the fraud department denied my claim. They have so far refused to explain why or offer an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2020 I tried to make a purchase at the XXXX and while my credit card charge went through the product failed to activate. The screen showed step-by-step instructions for the cashier to issue a refund. Something was done wrong and refund receipt was not printed. I was told to wait for credit to post back to credit card. Nothing happened and I tried to resolve this by contacting XXXX. This " resolution '' process went for 3+ month and finally store rep told me to file a dispute w/ credit card company -- Chase. 

The process for charge dispute at chase stated that I need to open the transaction in question and website would offer an option for disputing that charge. When I tried that there was no such option. So I send a secure message to Chase. Two months later I tried to contact them again.. Each time I got a response they received my message and would review it carefully and reach out as soon as they can. There was NO response at all. On XX/XX/XXXX I contacted them again. and received a letter stating there is no open charge dispute. 

The " interesting '' fact in this story Chase closed my card 2-3 days  after I sent secure message asking them to open a charge dispute. So, they closed the card ( pretty sure their response to this would be " because we can '' ) and no they want me to pay for the product I have never received. 

I do not know what else can I do to resolve this. So i am using CFPB as the last resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This company has never sent an itemized invoice to collect a payment. I've reached out to the company a few times no one returns my calls. I have never taken out any loan or dealt with this company for a financial reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: CA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}

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 2020-08-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}

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 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I sent a certified letter to United revenue corporation for debt validation.  The company did receive my letter. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a  negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has been longer than 30 days and I haven't seen any updates or received any protection from the bureaus.

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 2020-08-04 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has been longer than 30 days and I haven't seen any updates or received any protection from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: VA

Complaint narrative:
XXXX XXXX, after repeated attempts have failed to follow through on removing a 'charge off ' from my credit bureau reporting from Equifax after the 2 year expiration date of reporting. 

I have repeatedly escalated this issue with both XXXX and Equifax, both personally, and with XXXX XXXX legal counsel. 

Equifax is the only credit bureau reporting this charge off data incorrectly. It has corrupted my FICO score by nearly 100 points. I have otherwise excellent credit. 

Equifax has responded to me in a disreputable manner, and they need to fix this erroneous reporting immediately. 

NOTE : Both XXXX and Equifax repeatedly state the dispute is wrong, and their records are correct. This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$5200.00} XXXX   XXXX {$2700.00} XXXX XXXX XXXX XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$180.00} XXXXXXXX  XXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Utilizing a offer by Bank of America to consolidate bills which is using checks that are offered with a 0 % interest or a 1.99 % for a term of time to payoff those amounts acquired by the due date. What is taking place is Bank of America is applying payments to which ever debt they choose, not the debt that would be in the order it was acquired. I now have a debt that is due in XX/XX/2020, that is a substantial amount that is not being credited by payments being sent in, but debts of later dates that are being credited first. As of XXXX the interest on this amount goes from 1.99 % to 22.99 %, again later debts have been credited first. In XX/XX/XXXX, you can see that a payment total of {$2500.00} was made, but only {$1400.00} was applied to the account, not in any order of debt acquired. In XX/XX/2020, an amount of {$1900.00} was credited to my debts, but only {$1300.00} including the credit from the month before was applied.And iit goes on.

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 2020-08-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$5200.00} XXXX   XXXX {$2700.00} XXXX XXXX XXXX XXXX {$910.00}

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 2020-08-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$5200.00} XXXX   XXXX {$2700.00} XXXX XXXX XXXX XXXX {$910.00}

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 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This bank is treating me horrible I applied for a secured card because they closed it and asked me To reapply I did just that and they decline me saying they dont want to do business with me I write them a letter they never respond to my concerns I wish they would call me this isnt fair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Target Corporation, after repeated attempts have failed to follow through on removing a 'charge off ' from my credit bureau reporting from XXXX   after the 2 year expiration date of reporting. 

I have repeatedly escalated this issue with both Target and XXXX, both personally, and with XXXX XXXX legal counsel. 

XXXX is the only credit bureau reporting this charge off data incorrectly. It has corrupted my XXXX score by nearly 100 points. I have otherwise excellent credit. 

XXXX  has responded to me in a disreputable manner, and they need to fix this erroneous reporting immediately. 

NOTE : Both Target and XXXX repeatedly state the dispute is wrong, and their records are correct. This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$180.00} XXXX XXXXXXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}

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 2020-08-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$180.00} XXXX  XXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}

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 2020-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I have an account with XXXX 's Credit and they did not send me a bill. 

It is sent to Wells Fargo Bank N.A. when I write a check. 

My first purchase was on XX/XX/2020 when I opened the account for {$750.00}. 

I paid the amount in full onXX/XX/2020 in the form of a check. 

I only receive paper statements from companies so that I can guarantee their honesty. 

In XXXX I made another purchase for {$610.00} for which I never received a bill. 

When I went on-line to make a purchase in XXXX I was refused. I then went into my account with XXXX 's website and was denied access. So, I called the phone number on the back of the card and spoke with a rude representative who accused me of not paying my bill. I explained that I never received a bill or e-mail or phone call related to it. 

Why would they not contact me for 2 months? 

The representative told me I had switched to e-statements only. I told him I would never do that. I also informed him that if I were receiving e-statements then why did I not receive a notice via e-mail of a payment due. He had no answer. He also did not verify my e-mail address. 

Wells Fargo just took {$610.00} from my Debit Card as payoff. Resolved? after I threatened to sue which would become a class-action lawsuit eventually. Wells Fargo obviously does not want any more negative publicity.

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 2020-08-04 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: Sarma
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, Broker/Realtor, XXXX : XXXX The above mentioned company has listed a fraudulent debt with collection agency SARMA ( XXXX XXXX Retail Merchants ) on all three credit bureaus. I have been trying for over 30 days to get them to remove fraudulent debt and have sent letter to SARMA to provide a copy of the NSF check they are reporting, which when contacted by credit bureaus have changed to a loan of {$2000.00}. I have NEVER written a check to that company, I have NEVER entered into contract with XXXX  XXXX XXXX. Every time I " dispute '' via Credit Bureaus SARMAXXXX XXXX XXXX changes type of debt. They have yet to provide any time of proof for an NSF check or coy of an executed contract to date. These people are clearly conducting illegal and fraudulent business in XXXX XXXX. 

There are plenty of complaints from people throughout XXXX XXXX who are dealing with these people via HUD Section 8 housing, but because they have over 200 homes within the system ... all complaints fall on deaf ears. ( I was not within this program, and have NEVER conducted business with XXXX XXXXXXXX XXXX. ) XXXX XXXX, Broker/Realtor, # XXXX, Telephone XXXX, Email : XXXX, Website : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a mortgage with Chase Bank. The mortgage was sold to Chase in XXXX however I've had the home since XXXX. I've never made a late payment on this account. In XX/XX/XXXX, Chase reported a 30 day late on my account. I reached out to the bank regarding the late and provided information on the payment date. The account was paid on time on my side but for some reason the processing was delayed on the bank side. The Chase representative simply told me that once they report items as 30 days late they don't have a way of removing them from credit reporting. My credit score has taken a significant hit due to this false reporting on behalf of Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$5500.00} XXXX XXXX {$2700.00} USDEPED XXXX {$31000.00} XXXX  XXXX XXXX {$640.00} DPT ED XXXX XXXX {$68000.00}

Company response to consumer: Closed with explanation