vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — Store credit 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:
I received a folder with a letter dated XX/XX/XXXX, from Chase Executive Office trying to delete the trade line. Absolutely not. I do not want Chase to delete the trade line FROM AMAZON/CHASE CREDIT CARD ACCOUNT ENDING IN XXXX OR ANY ACCOUNT I HAVE WITH CHASE. 
ALSO, MY COMMUNICATION WITH CHASE WILL BE IN WRITING ONLY AS I COMMUNICATED IT WITH CONSUMER FINANCIAL PROTECTION BUREAU AND A STAFF FROM CHASE EXECUTIVE OFFICE BACK IN XX/XX/XXXX. I WAS IGNORED BY CHASE WHEN I TRIED TO REACH THEM AND SENT BACK TO AMAZON. 
With the letter dated XX/XX/XXXX, there were Amazon/Chase Credit Card Statements from XX/XX/XXXX to XX/XX/XXXX. I have complaints made against those Credit Card Statements from Chase. ( See Complaint # XXXX submitted XX/XX/XXXX and Complaint # XXXX submitted XX/XX/XXXX ). Both Complaints are still standing. There were no clear answers given to my questions by Chase. All I received were lies and inconclusive answers. Now I am wondering what kind of scheme is Chase planning against me by sending me a Credit Card statement on XX/XX/XXXX, from XX/XX/XXXX? 
IN THE SAME FOLDER DATED XX/XX/XXXX, THERE IS AN AMAZON/CHASE CREDIT CARD STATEMENT DATED XX/XX/XXXX SENT TO MY ATTENTION, CONSUMER FINANCIAL PROTECTION BUREAU, AND NEW YORK DEPARTMENT OF FINANCIAL SERVICES, ATT : XXXX XXXX, AGENCY CASE XXXX?. ( SEE STATEMENT ATTACHED ). 
MY QUESTIONS TO CHASE EXECUTIVE OFFICE ARE : 1 ) WHY THE STATEMENT FROM XX/XX/XXXX WAS SENT IN THE FOLDER DATED XX/XX/XXXX? 
2 ) WHAT IS THE PURPOSE AND REASON OF SENDING THE STATEMENT FROM XX/XX/XXXX? 
I NEED A FULL OF EXPLANATION OF WHY THE STATEMENT FROM XX/XX/XXXX WAS SENT?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On or about XXXX and XXXX I XXXX XXXX XXXX, have been trying to open a Checking and Savings Account with BankofAmerica for years and they keep refusing me all the time and I found out some one @ BankOfAmerica @ North Carolina did a Identity Theft in my name now some else @ XXXX XXXX did a Identity Theft in my name this year ( XXXX ) and ongoing investigation.My complaint is BankofAmerica still will not give me a Checking Account are a Savings Account

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 2019-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Last year ( XXXX XXXX ) I worked to have this particular collection taken off my credit report by filing a dispute through CFPB. Within a month it had been taken off and my credit was almost in good standing. The debt was a maxed out credit card in the amount of {$1200.00}. I had no choice but to rely on this line of credit due to financial hardship. ( I had gotten laid off a couple of months prior when the oil and gas market crashed in late XXXX ). In the spring of XXXX this particular debt collection agency contacted me to collect on this debt. Without being notified they dinged my credit report again! The calls increased drastically everyday. On top of that they got in contact with my girlfriends parents somehow which live across the country in a totally different time zone! I have never lived in that state nor with her parents so what in the heck are they doing calling there?? Now my girlfriends parents know my personal financial business that is NONE of their business. I wish to have this collection taken off all my credit reports asap. This is hindering from building my credit in a way that allows me to actually buy a home in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  refuses to remove fraudulent accounts from my credit report. Below is the following complaint was submitted to them : I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already most of these fraudulent accounts and have emoved these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX   system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: OH

Complaint narrative:
I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this 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 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
i have settled this acct with a payment and the creditor has not removed this paid acct from the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX XXXX OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express credit card, recommend me to apply for a gold card, credit card reward is three months to spend more than 2000 US dollars reward XXXX points, But now that I have completed the amount of consumption as required, they told me that I can't get the reward They said they wouldn't give me a reward because of my card opening history and closing my account. 
They said that I was prompted when I applied for a credit card, but I did not receive the prompt. This card was approved in advance Now they don't give me a reward, they charge me an annual fee, which I think is fraud and unfair. 
And why do I apply for a card, the website prompts that the reward is XXXX points, and the others are XXXX points? 
Is this discrimination against me? I received unfair treatment, and they canceled my reward. 
I tried to communicate with them, but they didn't want to help me solve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc.
State: NC

Complaint narrative:
My insurance company wanted me to go to XXXX they sent me to XXXX  XXXX XXXX I had a XXXX in my XXXX  area that had completely XXXX XXXX  and was XXXX my XXXX XXXX and it was covered in XXXX XXXX I was in XXXX excruciating pain constantly I tried to do what they asked went in two or three times and it always hurt and I always felt worse not long after I left I tried to tell them this and explain to them but for whatever reason they didn't seem to understand and they said that I just didn't try which is XXXX  because I wouldn't have gone at all if I wasn't going to try so I don't feel like I owe them anything because they could not and did not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: OH

Complaint narrative:
I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: OH

Complaint narrative:
I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this 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 non-monetary relief
Consumer complaint received 2019-06-23 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: OH

Complaint narrative:
I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and  was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 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: OH

Complaint narrative:
THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX XXXX  OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS

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 2019-06-23 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: OH

Complaint narrative:
THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX  XXXX OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
Dear CFPB, Under my private rights of action and administrative process I want to report that Clear Recon Corp. Debt Collector and Foreclosure Trustee has repeatedly ignored and has failed to respond to my Qualified Written Request and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX. I never contracted with Clear Recon Corp at any capacity and have never had any business relationship verbal or written. 
In addition, I want to inform Clear Recon Corp that the XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, corresponding to my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX were created without my authorization and through identity theft of my personal and private information. 

The Second Notice of Fault in Dishonor and Opportunity to Cure was served to Clear Recon Corp.on XX/XX/XXXX Certified Mail # XXXX XXXX. 

The Third Notice of Default in Dishonor, Discharge of Obligation to Pay Instrument was served to Clear Recon Corp. on XX/XX/XXXX including my Notarized Affidavit of Non Response Certified Mail # XXXX. 

Fourth, you will find a notarized Affidavit of Non-Response from XXXX XXXX XXXX served to Clear Recon Corp.on on XX/XX/XXXX Certified Mail # XXXX. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 


Respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I have called the Comenity Bank in response to their letter to confirm charges on my account. Once the agent Ms. XXXX successfully verified my identity, I confirmed all transactions to be accurate. I even gave additional information about the payment, that I made to this account on the pior day. After a brief hold the agent decided to ask me some additional questions, such as : my zodiac sign, whether I purchased my XXXX prior to XXXX of XXXX. Another brief hold followed and she came back on line with a statement that now my account is closed. Upon my strenuous objection, she invited me to apply for another card in a month. I requested to speak with her supervisor and attempted to explain to Mr. XXXX ( supposedly the supervisor ) that there must be a mistake in their source of information. He was very arrogant, kept interrupting me and taking at the same time that I was speaking. I requested to speak to his superior, at which time he advised me that he is the ultimate authority. I requested telephone number to the corporate headquarters. He gave me telephone number to XXXX 's! Since then I contacted the bank multiple times demanding to either reopen my account or to provide me with the source and the nature of the information that led to the adverse action by the bank. I pointed out several times that under the FCRA, I am in title to this information, if only to correct it for future. All my requests are met with either dismissive or evasive replies. The bank refuses to connect me with any one person of authority to resolve this issue. I strongly believe that this is deliberate and consistent campaign of discrimination against me due to my national origins. My FICO score as reported on XX/XX/XXXX is over 800, I have no history of late payments on any accounts including the account with Comenity bank. Other than prejudice of their agents there is no reason to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
The company sent a check in the mail to my home for around XXXX dollars. Easy monthly payments. But the interest was put on upfront. It was very confusing to me, balance now is over XXXX dollars. I suffered a XXXX so not able to work, self employed. I got in contact with a debt relief firm, But no final decisions at this time. I have been called numerous times a day from personal finance co. Even after telling them I was in debt relief and giving them the info. Thank you!

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 2019-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to buy tickets for a comedy show in XXXX XXXX on XXXX. The scammer posted tickets on XXXX. I contacted them via phone ( a local XXXX XXXX phone number ). The person said they were only able to meet in person later so requested to send the tickets via XXXX and payment through the XXXX ( actually through the Chase app, which has XXXX payments built in ). XXXX is a service that transfers money from real bank accounts to other real bank accounts. 

I sent {$260.00} to the email address provided by the scammer ( XXXX ). The person then stopped responding and did not send tickets. I then contacted XXXX, their online support told me that I needed to talk to Chase because the transaction was initiated through the Chase app, not the XXXX app. 

I then talked to Chase, they informed me that they did not know who the money went to. They were not willing to stop the transaction or refund the money. They were not even willing to " blacklist '' the scammer. They told me I should talk to the police, but I dont have the information of the person the money went to. Only XXXX and or Chase does. They are not willing to assist with stopping this scammer and protect their customers. 

I have recordings of the conversations with Chase. The files are too large to upload, but I will provide if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Best Buy credit card and have recently started being charged a monthly {$35.00} fee for " Debt Protection '' Citi Bank claims a third party is charging me and they can not do anything. However, this is a massive issue on the Best Buy forums. I did not consistent to this and have had this card for over ten years and this just started showing up. I have lost over {$600.00} going back through my transactions. I want this fee terminated and my money refunded!

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