vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
my issue has not been resolved since  XXXX   XXXX  .I bank with chase bank. I had  XXXX  transactions of  XXXX  dollars to   XXXX   purchased illegally on my debit card numbers. my card info was stolen. I immediately called the bank canceled the card and started the process to get my funds re-credited to my account. A temporary credit was received a week later. then  4  weeks after that the credit was removed. I called them again had another temporary credit put onto my account in  XXXX  for the same issue. Yet again by  XXXX   XXXX  the bank again removed the the temporary credit. I called and escalated the issues to their fraud claims department to a supervisor and then the supervisors manager on  XXXX   XXXX . They said  XXXX  admitted to there department I did not make any purchase and credited chase and that I should receive my money in 5 days.  XXXX   XXXX  I got formal letter in response admitting guilt and fault on chase banks end and that my temporary credit would be made permanent. however as I said before this temporary credit was removed and I have still not received funds by the set specified time frame from the supervisor. This is the third time I have submitted it for review and have won my argument, but yet still have not received my money from the bank. Please help me in away possible thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Go Capital Holdings, LLC
State: TX

Complaint narrative:
Since  XXXX    XXXX   I have attempted to get validation of debt from this through all credit bureaus they have never responded I tried calling no luck. But  GO FINANCIAL  is reporting debt on my credit reports making it hard for me to make big purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
Since XXXX 2017 I have try to get SAFCO to provide validation of debt through all three credit reporting agencys and so far no luck this big error is hurting me preventing me from making a big purchases on a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: VA

Complaint narrative:
Chase Ban k USA N.A.  has made credit inquiries against my account o n 4 diffe rent dates and has opened an  AMAZON.COM Visa Signature credit card in my name, on the last credit pull, I was sent a letter stating they received an ap plication and needed more information about my income and financial obligations to make a decision.     The dates my credit were pulled are :  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase  at the number provided on the letters and/or credit card sent and notified them that this was not a valid application.     On the first  three  dates  XXXX   XXXX  -  XXXX   XXXX ,  Chase  recorded a fraud investigation and determined that the application was fraudulent but would not tell me where the application came from, I notified my credit bureau 's each time. I requested each time that my name be included as having fraudulent activity request and to be excluded from any credit inquiries and was assured they had marked these as fraudulent.     I am in the process of contacting  Chase  for the last letter received from the  XXXX   XXXX ,  XXXX  inquiry.     I feel that  Chase  is knowingly and unethically phishing for customer accounts by using existing information they have about their customers to obtain new accounts.     I have had a  Chase   Freedom  card for over 3 years and feel that my information was obtained from my existing account.     I want to determine how I can stop this activity without having to freeze my credit in which there is a fee to freeze and unfreeze my account. This has also caused unnecessary activity on my credit reports.     Chase should stop this " phishing '' activity, it is obvious they are using existing customer information as it has been determined that the information was not an external request for credit.     My credit accounts have been marked with fraudulent activity from Chase but somehow they are still able to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I got my free credit report and it is showing an inquiry on my credit report that I did not authorize.

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 2017-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In  XXXX    XXXX  , Transunion removed an account from my credit report due to its inaccuracy. Upon reviewing my credit report, it has come to my attention that this same account has reappeared on my credit report. I have also disputed this same account on numerous occasions and yet this account is still on my credit report. I am demanding that the account from national credit systems be removed from my report as it was done in  XXXX    XXXX   for its inaccuracy. This account is affecting me and hindering my family and I from moving forward. I have no knowledge of this debt/account and I have requested validation of this debt multiple times with no response whatsoever. Transunion added this account onto my report without any form of notification, to my understanding this is indeed a violation. I have attached proof that this account was indeed removed from my 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 2017-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I 've been with Bank of America for over 10 years, the last several with low balance and little activity. I last transferred money about a year ago. I had estatements and reliably received an email balance alert every month. In  XXXX , I received a statement in the mail explaining my funds had been escheated to the state. I had received zero communication until the money was gone. Nothing by email or mail. I understand escheatment policies vary but I had used the account somewhat recently. I called B of A and after discussing with a rep, they placed me on hold and forwarded me to the state.

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 2017-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NV

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at the company. I am not sure how the alleged debt originated, I am a victim of ID theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Since I have attempted to get validation of debt from CAPITAL ONE BANK OF USA NA but no luck this error is really affecting me applying for new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: TN

Complaint narrative:
I went in  to US  Bank to deposit money in my account and the guy kept on about a credit card. He said let me send you some information. I said okay send information, next thing I know I had a credit card sent to me with a higher credit rate than what I had. I kept telling the teller I had a credit card with a lower rate than he was offering me. The account was opened  XXXX  /2016  and I shredded the card and have never used ever.

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 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Requested to dispute some items on my credit report with Equifax that sent an updated report saying items had been verified which I didnt agree with so I sent in a letter to investigated and show me physical proof of the verification they received which they have yet to do they sent another report saying investigation is complete and yet again verified but they have not sent are shown me any physical proof. I also filed a complaint on the company reporting the information to the credit bureau. Received an email from the company saying they have no record of me or any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: FL

Complaint narrative:
XXXX   XXXX  , Experian, And  XXXX  are Continuing to report misleading information into my credit report.   XXXX   XXXX   attached letter shows my final payment was received  XXXX   XXXX  Experian Credit Report is showing my last payment  XXXX   XXXX  and That I Failed to Pay in  XXXX  and  XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Since   XXXX   XXXX     I have been trying to get validation of debt from  XXXX  antander Consumer Usa through all  credit bureaus so far no luck. This major error is affecting me on making a major purchase for house on  XX/XX/2017      XXXX   mail me a completed investigation removing t his Auto Debt but t he account was not removed from   XXXX   and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
My complaint is not about paying my mortgage. I am trying to refinance my mortgage. I had a loan modification. I need a copy of this modification to begin refinancing my mortgage with another bank. Select Portfolio Servicing is my mortgage carrier now. I have tried since  XX/XX/XXXX  to get a copy of my modification agreement. Every time I call I am told a different date when they will fax it to me. First it was 3 days, when I did not receive it I was told I would have it  XX/XX/XXXX . When I did not receive it then I was told they had 5 days until they had to send it. 5 days passed and again I did not receive it. I called back and said that I was contacting your company in 2 days if I did not receive the paperwork. They said do what you have to do. I gave them a week and I still do not have my paperwork. So now I would like to file a complaint against Select Portfolio Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received a Amex Gift Card for our wedding on XXXX XXXX. We went to XXXX on XXXX XXXX and went to make a purchase. My wife handed me the card which was still in its original wrap where the number of the card could not be seen. The card kept being declined. We called Amex Gift Card services and they told us that there are XXXX dollars and change on the card. The original/gift amount was {$100.00} and out of nowhere XXXX charges were made on XXXX XXXX. We politely mentioned to Amex that is not possible because we literally opened the packaging. They said the only thing they can do is cancel the card and send us another card with XXXX dollars and change on it. Besides calling them, they are n't very helpful and they seem to accept when a gift card has fraudulent charges on it. I 'm completely vulnerable and helpless with this. I ca n't stress enough that I literally opened the packaging of the card. Over the phone they mentioned that they can do nothing about the charges. On the outside of the packaging it says, " Funds replaced if lost or stolen '' and on the inside it says, " No refunds will be provided for amounts debited from your lost or stolen card before you notify us ''. Am I subject to rules that a card enforces when I just opened it? How could I have possibly have notified them when I just opened the card and this is my first use. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I submitted a complaint against  Wells Fargo Bank/credit divi sion on  XXXX / XXXX /  XXXX   regarding issues with our interest rate after opening a checking account. the associate at the bank promoted all the benefits of their credit card ... overdraft protection etc.This evening, X/X/17 ,  Wells Fargo responded to the  complaint basically stating the same responce and wording i 've heard for the last  2yrs.  This was not the result i expected filing a complaint with CFPB and considering wells f argo 's track record over the last 4-5 yrs am very disa ppointed. My main point in this complaint and over the l ast 2+yrs is the bank showing what specific  criteria was used to apply a 26 % interst rate to my account other than to state credit worthyness. As i stated in original complaint and directed at wf associates many times, how was i able to purchase a house at 2.62  % ..15yrs and have a credit score that ranges ar ound  XXXX  and get hit with a 26 % rate on their card. Again with this banks past goals of misleading practices and placing revenue above their customers, i strongly believe this should be looked into further Original complaint #  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 2017-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: CA

Complaint narrative:
I paid off a 60 month loan in 18 months. The last  XXXX  payments were large amounts. The monthly amount was  XXXX . In  XXXX    XXXX   I paid approximately $  XXXX  {$11000.00} towards the loan. In  XXXX    XXXX  , I paid off the remaining balance which is approximately {$8900.00}. The payment date was  XXXX   XXXX . The final {$8600.00} paid the loan info. Because it was not paid on the  XXXX  they have now assessed a   XXXX   day late on my credit report. I spoke with them about this and asked them to remove it. He said I had paid the loan off satisfactorily but they would not remove the 30 day late. Even though it was n't even 30 days late it was  XXXX  days past the due date. And the only reason I posted late is because they have the wrong bank information.     Please advise next steps.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
O n  XX/XX/XXXX ,  I sen t Lexis Nexis ( Consumer Center ) Attn : Full File  Disclosure,  XXXX , GA  XXXX , a certified letter along with supporting documentation regarding a Tax Lien from  XXXX   County Superior Court  ; Case ID #  XXXX , filed  XX/XX/XXXX  in the amount of {$1800.00}.     LexisNexis has been reporting to  XXXX  completely inaccurat e information. First of the a ll, the tax lien originated with the  Georgia Department of Revenue ( I ncome Tax Lien Section )  ; Lexis Nexis  has the Case ID #  XXXX  ; In addition, the lien was released o n  XX/XX/XXXX  ; Lexis Ne  xis has it being released on  XX/XX/XXXX . Furthermore, On  XX/XX/XXXX , and  XX/XX/XXXX , I disputed the sa me tax lien with  XXXX  reported by  XXXX   County Superior Court ;  Case #  XXXX  ; Amount : {$1800.00} in the file of  XXXX  maintained under my Social Security number.     I was informed on   XX/XX/XXXX  t hat the item was deleted from my credit report.   Now I discovered that the item has been reinstated on my credit report.   In accordance with the requirements of the FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ),    XXXX   was required to notify me of the reinsertion in writing within  5  business days.   ( B ) Requirements relating to reinsertion of previously deleted material (  ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 )  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I WAS NEVER NOTIFIED OF SUCH REINSERTION OF THIS TAX LIEN ON   XXXX     CREDIT FILE UNDER MY SOCIAL SECURITY NUMBER.      Please validate this information with  XXXX   County Superior Court and  h ave Lexis Nexis  provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file maintained under my social security number. I do not consent to  XX/XX/XXXX  or any means of automated verification, which is exactly what LexisNexis is doing along with  XXXX      Note : The  Georgia Department of Revenue n or The  XXXX   County Superior Court N EVER RELEASE ANY INFORMATION TO CREDIT REPORTING OR CONSUMER REPORTING AGENCIES. I have accompanied proof of this fact.     I have accompanied this dispute with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Collection Service of  Athens  is reporting Unvalidated Debt to  XXXX  Credit Bureau. I have filed previous disputes with  XXXX  as they are the only credit bureau reporting this collection.   I have never received any written validation of debt or any correspondence from  Collection Service of Athens.    I have disputed this debt directly with  XXXX  but they alleged that they validated and updated the listing. The listing has been removed from all credit bureaus except  XXXX .   On  XXXX   XXXX ,   XXXX   I filed a   XXXX   XXXX   XXXX   Complaint that they have not responded to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reported to the Federal Trade Commission that I am an identity theft victim because someone stole my phone, identification, wallet, credit cards, etc. I have disputed incorrect information ( bankruptcies, liens,  XXXX   XXXX   XXXX  and  XXXX  Bank ) being reported on my credit reports with the  XXXX  credit bureaus but to no avail. I am a victim of identity theft. I have placed an identity fraud on all of my reports, I have contacted the clerks from the superior courts and  XXXX   XXXX   (  which has a freeze on reporting any information to any agency  )  to inquire about erroneous information being report and was informed by them that they are not reporting any information to the  XXXX  credit bureaus. This has caused a hardship for me and I am prepared to file a complaint in civil court to resolve these matters if they are unwilling to resolve these issues..

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