vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Initiated dispute with credit card company over a purchase made for XXXX dollars. I had first contacted vendor, received no response from vendor. Contacted Chase XX/XX/XXXX to initiate dispute. Received confirmation from Chase that they were investigating the dispute. XX/XX/XXXX Chase requested more information from me. I submitted additional information to Chase in the form of a letter sent via their online dispute system, XX/XX/XXXX. I received confirmation via email from Chase that they had received the additional information I sent them. 

XX/XX/XXXX, received response from Chase that made it clear they had not read the additional information I sent them. Chase indicated they were closing the dispute. Since it was clear they had not read the information, or done any investigation whatsoever, I immediately contacted Chase to reopen the dispute and reiterate that they needed to take into account the additional information sent to them. XX/XX/XXXX, received confirmation from Chase that they had received my request and were reopening the dispute. Email said " payment of amount in dispute not required while dispute is being resolved '' To sum up, Chase reopened this dispute on XX/XX/XXXX, and then did not contact me again regarding this dispute until XX/XX/XXXX. The dispute remained unresolved for well over 60 days or two billing cycles, a clear violation of the Fair Credit Billing Act. 
When I called Chase and spent over an hour on the phone trying to explain this to XXXX XXXX, he claimed that he had never heard of the Fair Credit Billing Act. Since XXXX XXXX XXXX was the Chase employee in charge of this dispute, he was in ignorance of laws protecting consumers from unfair practices and in his ignorance, he allowed this dispute to go on well over the allotted time period. XXXX XXXX was extremely rude both on the phone and by letter, claiming ignorance of the law allowed him to ignore it. 
Obviously, since XXXX XXXX allowed this dispute to sit unresolved for a year, I can no longer attempt to follow up with the vendor -- this is why the law was enacted, so that consumers would be protected from banks like Chase allowing dispute to go on and on and then deny them when consumers no longer had any other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a payday loan with Oportunum a month ago or so.My loan was for $ XXXX.My payment biweekly is {$36.00}. I got behind on my payments.I have been harrass by numerous of phone calls per day.They need to stop. I know I owed {$300.00} but this is insane.Please help with this issue.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
Good Morning I have noticed that the debt appeared on my credit after my monitoring service notified me in XX/XX/2018. I waiting for the notice of debt to be mailed, However, according to the law a letter never was mailed by the stated company. I decided to send Diversified Consultants a letter myself requesting verification and ownership of the stated debt. I received a notice with just a face sheet with a simple amount owed. This is not considered verification or ownership of the debt. The letter threatened to take legal action and would have an adverse effect on my credit. I just want to be assured that the debt is correct and that this company definitely is suppose to be collecting this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have sent in 5 letters to Experian, trying to dispute the accounts, Experian has failed to provide me with PHYSICAL proof of they verified the account and proper documentation, that they are required by law to have in my file for each derogatory account, Experian has merely ELECTRONICALLY verified the account via e-oscar by simply matching personal identifying info with the reported creditor. per the FCRA 611 that is unacceptable and not compliant. I Demand Deletion of the said account 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 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
From XX/XX/2018 to XX/XX/2018, CitiBank was running the following promotion : 1. Open a Citibank Account Package online at https : //banking.citibank.comXXXX XXXX 2. Deposit {$15000.00} within 30 days of opening the account 3. Maintain {$15000.00} for 60 days in the account 4. Receive {$400.00} within 90 days of meeting all the requirements.

As of today I met all the requirements of the promotion and allotted the 90 days to pass and have not received my {$400.00}. Below is a summary of the actions I took to meet the terms of the promotion : 1. I opened a CitiBank Account package online on XX/XX/2018 at https : //banking.citibank.comXXXX XXXX 2. deposited {$15000.00} on XX/XX/2018 ( within 16 days of opening the account ) 3. maintained the {$15000.00} deposit with Citibank until XX/XX/2018 ( 64 days ) 4. Allowed the 90 days to pass from meeting the terms of the promotion ( XX/XX/2018 ) I contacted Citi on XX/XX/2018 and their representative confirmed I had met the bonus requirements but were not able to tell me why the bonus had not been deposited into my account. I was then informed that they would open an investigation that could take up to 30 days to complete. I informed them that they acknowledged that I met the requirements so there was no reason to wait and to deposit the funds in my account. I gave them until the end of the business day on XX/XX/2018 to provide the {$400.00} or I would file a complaint with the CPFB. 

I elected not to wait for the Bank to complete their investigation as there are several reports on the internet that Citibank uses this tactic to not pay out the bonus. In those cases, only a complaint with the CPFB has resolved the issue in a timely manner.

Below is a link of several other Citibank customers who had to file a complaint with the CPFB to get their bank bonuses : https : XXXX # comment-XXXX https : XXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXX # comment-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 monetary relief
Consumer complaint received 2018-11-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MTR with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
After the hurricane of XXXX, I called RP Funding to pay over the phone because their website was down. At that time I was offered 3 month forbearance since My account was current and I had experience property damage. I was told that the 3 months payments would be added to the end of the mortgage, that no fees would be incurred and there would be no effect to my credit. When I tried to pay for XX/XX/XXXX as I was told my next due date would be, the website was still not functioning so I called the company again to make the payment. The agent who took my payment apologized for the inconvenience, took my payment and waved the fees normally charged for phone payments Thereafter I started to get delinquency letters and when I called to query the letters I was told that I should disregard them because more people accepted the offer than anticipated and that there was a back- up in updating the records. I continued to make my monthly payments and made several contacts with the company by phone and letter in attempt to resolve the issue. About XX/XX/XXXX, I received a letter stating that my payments would be returned and future payments not accepted. Subsequently I wired the total funds they said I owed even though I disagreed with the total. This was also returned stating that I needed to send more than {$2000.00} additional. Then I receive notice that foreclosure was filed and my account was reported to the credit bureaus as delinquent. I think that the hurricane is being used as an excuse to charge additional fees.

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma has assisted an identity thief in accessing my account with them. They have connected a known email account to me, to the Credit Karma account. I lost control of the email address earlier this year. I used to be the owner of that particular gmail acvount, and it was hacked. I submitted documents via mail to credit karma to prove MY identity and restore MY access to MY credit karma account, and somehow they have connected the identity thief 's account directly to it instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have contacted equifax several times about several accounts and inquires requesting they are blocked from my credit report due to identity theft. They keep updating the trade line as verified even after identity theft report was sent in to them. I did an online dispute in XX/XX/2018. I sent in a letter as well in XX/XX/2018 and I also fixed the letter into them and accounts has not been removed. Also Eauifax data breach there was several inquires added to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC
State: VT

Complaint narrative:
There are 3 items on my report and by law it has been over 180 days and I no longer owe them debts, I have tried to dispute them and nothing has happened. I have told the creditors that it was illegal for them to use my name and birth date and social security number and the fact that it has been over a 180 days. I want these items removed off my report. By law they need to be removed. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: GA

Complaint narrative:
on XX/XX/2017 accelerated financial open a dept on me I have no idea who they are and I have never signed or agreed to do business with accelerated financial

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX still shows an open account on my report. Allegedly after investigating. Card opened in a previous legal name. They exceeded the timeframe projected, and still have not corrected the status to show closed. Account closed in bankruptcy, status still showing open.

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX still shows an open account on my report. Allegedly after investigating. Card opened in a previous legal name. They exceeded the timeframe projected, and still have not corrected the status to show closed. Account closed in bankruptcy, status still showing open.

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 non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION
State: CO

Complaint narrative:
This loan was taken out using my credit info to purchase a car loan. I did not take this loan out even though my info was used. It was a family member who used my info. i have reported this to the police and generated a report. i sent this information to the company and expect this company to take this info off my credit report. I do not have the car nor is the car located at my given address. I have no knowledge as to what or where the location of said car

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
on XX/XX/2016 medical data system has tries to collect a dept I do not owe them I have never signed or agreed to do business or have any contract with medical data system

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This loan was taken out using my credit info to purchase a car loan. I did not take this loan out even though my info was used. It was a family member who used my info. i have reported this to the police and generated a report. i sent this information to the company and expect this company to take this info off my credit report. I do not have the car nor is the car located at my given address. I have no knowledge as to what or where the location of said car

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account GMFNANCIAL which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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