vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: CA

Complaint narrative:
I applied for my Chase Credit Card back in early XXXX and was approved and it arrived one week later. My intention for my Marriot  XXXX credit card was to assure I built a relationship with Chase Bank and to assure that I accrue points for Marriot  due to my high demand in travel for my job. On XX/XX/2020 I got an alert on my XXXX XXXX that my chase credit card was removed, however I did not pay any attention to this because glitches could happen. During this time I was also in the process of helping families at my local grocery store shop for food due to the covid-19 hard financial strains. I arrive to the cash register to be told my credit card was declined and I didnt have another form of payment available at the moment. I could not believe the embarrassment. I contacted Chase and was told by an extremely rude representative that my account was closed and the department that I should speak with has left for the day, then I was hung up on. I could not believe that Chase would be so greedy and unprofessional that they closed my account without any signs of fraud or anything! After a restless night, I immediately waited until Chase Bank opened east coast time to get in contact with the department that closed my account. I was treated so horribly and treated as if I should have never received my credit card that I worked so hard to obtain. I make well over 6 figures and I am building my credit to be impeccable. Ive never shown signs of hardship and Ive never wavered or defaulted on any agreement that Ive ever had. Chase Bank told me that I was not qualified to receive the account that I was qualified for. The reasonings are because all of my account arent reporting to the XXXX  report and Ive decided to apply elsewhere because its been a long time since Ive applied for credit cards. Unfortunately, I cant tell banks to report to all three agencies as I wish. I cant believe that Chase Bank is so greedy and deceitful that my account would be closed without any notice or even a limit decrease, but CLOSED! I am now stuck with a balance that will report to the credit agencies and show that Ive utilized a large portion. And this was not my goal. I wanted to obtain a balance and before the reporting date to pay that back in full. To at least show Chase Bank that I can make that kind of payment and build a relationship. I make double of what the credit limit is a month, so I am fully capable of handling the account. Nevertheless, my ultimate goal is to reopen my account. I dont want to believe that Chase Bank would just shut down my account because it pose a risk that is not there. I dont want to believe that during such a critical time in our country that Chase Bank would allow this to affect a citizen trying to help rebuild the communities and hope in humanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: AL

Complaint narrative:
XXXX is claiming that I owe a debt from XXXX. 
The debt was actually created in XXXX, if there was even a debt? 
I divorced the man responsible for the 15 year old alleged debt. I dont understand how they suddenly act like its a debt from XXXX randomly, and have put it on my credit report. This is incorrect information and need to be removed from my credit immediately. 
I should be protected by the fair credit act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB DISPUTE RE : Bank of America credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX XXXXMother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX . My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted Bank of America after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.

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 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a debt validation letter to the XXXX XXXX on XX/XX/2020 via certified postal letter # XXXX. I have attached that letter in which I asked for the following, The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

I was then sent a 50 page account of text and incoming/outgoing phone calls Made on the account. It said the last payment was made on XXXX XXXX. There was no contract between myself and the original creditor Included, no application For the account bearing my signature Included, no copy of the agreement between the original creditor authorizing convergent outsourcing to collect on XXXX behalf Included. The form they sent with their License to collect in states did not have Florida listed. I live in Florida. No proof that the statue of limitations to collect had not expired in my state. After contacting XXXX  the account was deleted from my credit report but is still active on Experian and XXXX. How can the debt be validated without this information? This violates my rights under the fair credit reporting act.

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 2020-06-01 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: LA

Complaint narrative:
Recently I change my cell phone carrier and my Cell phone number. I tried four times to submit information my photo ID to the credit card company each time they seem to have a problem getting my information and it has been two weeks of trying unsuccessfully to get my information updated. On every occasion that Ive contacted the credit card company Capital One theyve had an excuse for why the information can not be updated but offered no solution. Capital one is denying me access to my account information via my online service. Im hard of hearing so its extremely difficult for me to try to do things on my regular phone cell service since my XXXX with my hearing. After several requests I opted to go ahead and cancel his credit card because of the nonstop issue an ongoing frustration that Ive had with trying to communicate with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: FIRST PORTFOLIO SERVICING INC
State: MO

Complaint narrative:
XXXX  has removed the items below but have allowed the same companies to update the same information that's already been disputed and deleted. won't remove the following. 

XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  are reporting lower scores and incorrect info. 

XXXX XXXX XXXX XXXX  of XXXX XXXX  charter # XXXX I was told by two Women at the XXXX branch that I have been denied an auto loan that I absolutely qualify for, because of XXXX XXXX XXXX and other debt that was included in my Bankruptcy doing the recession over seven years ago. I was also told to consider a different bank because XXXX  dose't typically led to my " kind ''. 

I personally know and was referred to this credit union by several " XXXX  '' friends, family and even employees of this institution and several of them only have a XXXX  score with lots of debt, yet they were able to receive auto loans, mortgages and credit cards from your loan officers. 

I've been told by XXXX that the XXXX credit score to qualify is XXXX, I received a letter from XXXX  saying my XXXX  score is a XXXX. I have direct deposit with this financial institution, I make {$1000.00} per week and have zero loans or debt. 

Please consider taking a second look at this matter, because after further review and conversation with other credit unions, attorneys and city officials I've been informed that this is direct power thrusting and discrimination by someone with " XXXX   privilege '' being in a position to deny me because I'm a XXXX American and that's the only reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I made my mortgage payment for XXXX on XX/XX/XXXX using a cashier check I deposit on XX/XX/XXXX payment is supposed to post on XX/XX/XXXX at midnight payment has not posted yet. I called U.S Bank to notify them over a twenty minute hold time and it is stating that Im missing a payment which is not true when I made my payment using my checking account information using bill pay through U.S Bank App unacceptable. And unable to reach representative over the phone.

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 2020-06-01 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: Consumer Portfolio Services, Inc.
State: WA

Complaint narrative:
In XX/XX/2020 a dealership in XXXX regarding a vehicle inquiry and the salesperson promised that they won't run my credit but within a few minutes I noticed that they made more than 10 inquiries on my credit with my consent I contacted the dealership and the financial institutions many times but they are not cooperating. So I would appreciate if you helped in removing these inquiries from my credit. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Westlake Services, LLC
State: WA

Complaint narrative:
In XX/XX/2020 a dealership in XXXX regarding a vehicle inquiry and the salesperson promised that they won't run my credit but within a few minutes I noticed that they made more than 10 inquiries on my credit with my consent I contacted the dealership and the financial institutions many times but they are not cooperating. So I would appreciate if you helped in removing these inquiries from my credit. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
PayPal 's customer service line is closed and has been closed for couple months. I am trying to resolve a refund issue with PayPal without any ability to contact them. They claim the chat feature will help with this, but it's an automated system that doesn't resolve the issue. The issue I'm having is that I closed a bank account which I used to make a purchase using paypal. I made returns to XXXX  's and they issued a refund to me through PayPal ( which is correct ) on XX/XX/XXXX, which in return should go back to my bank account. my bank didn't receive it because it had been closed prior to the refund. I called and verified that my old bank didn't receive it. I called XXXX 's who said the refunds haven't been rejected back to them. They claim they don't see any refunds back to them and that the refund is with PayPal, yet there is no way to reach a live paypal agent to resolve this issue. It's been 2 months without any success in reaching PayPal. XXXX XXXX is unable to issue a refund to a different account per their policy, so now I am stuck with PayPal having my refund amount with no way to reach them.

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 2020-06-01 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: CA

Complaint narrative:
I applied for an auto loan with XXXX XXXX today XX/XX/20 and unfortunately, I was not approved because there are two accounts negatively impacting my credit. The accounts are from a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened any an account with either of those companies nor did I ever give them permission to run or access my credit information. I did not allow anyone to open accounts with these companies in my name and I have already reported these accounts to the police. I did not benefit anything from these accounts being opened in my name without my permission and I did not contribute to any payments made towards these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: NJ

Complaint narrative:
I, XXXX XXXX ( XXXX ) have contacted Experian many times to dispute and remove incorrect reporting of XXXX, account # XXXX. As stated on my previous requests, the images provided accurately depicts that a payment was made on XXXX and XX/XX/XXXX. This is an incorrect reporting of my account status and clearly a violation of my consumer rights. According to the Fair Reporting Act " Accurate Reporting If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. IF THE INACCURATE INFORMATION CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY HAS A RESPONSIBILITY TO REMOVE IT. If you are not able to clear up the matter, you are allowed to add a statement to your credit file explaining the situation. I have disputed this with the XXXX  under File # XXXX ( XX/XX/XXXX ) and they have NOT CHANGED THE ACCURACY OF MY DISPUTE DESPITE DOCUMENTATION FROM XXXX  CONFIRMING NO LATE PAYMENTS. IN FACT, EXPERIAN ERRONEOUSLY ADDED THE MONTH OF XXXX. Again, correct and remove this. In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. I have spoken to XXXX and they informed me they have NOT received any requests from Experian disputing the abovementioned account despite me disputing this item 5 times!!!!!

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 2020-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted two disputes to TransUnion on or about XX/XX/XXXX using their online system. No dispute was filed.

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 2020-06-01 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:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$4800.00}

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 2020-06-01 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:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$4800.00}

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 2020-06-01 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 applied for an auto loan with XXXX XXXX today XX/XX/20 and unfortunately, I was not approved because there are two accounts negatively impacting my credit. The accounts are from a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened any an account with either of those companies nor did I ever give them permission to run or access my credit information. I did not allow anyone to open accounts with these companies in my name and I have already reported these accounts to the police. I did not benefit anything from these accounts being opened in my name without my permission and I did not contribute to any payments made towards these accounts.

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 2020-06-01 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 applied for an auto loan with XXXX XXXX today XX/XX/20 and unfortunately, I was not approved because there are two accounts negatively impacting my credit. The accounts are from a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened any an account with either of those companies nor did I ever give them permission to run or access my credit information. I did not allow anyone to open accounts with these companies in my name and I have already reported these accounts to the police. I did not benefit anything from these accounts being opened in my name without my permission and I did not contribute to any payments made towards these accounts.

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 2020-06-01 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:
My wife was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: ME

Complaint narrative:
3 Fraudulent Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$20000.00} Opened XX/XX/XXXX {$9000.00} Opened XX/XX/XXXX {$2100.00} Opened XX/XX/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