vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am a XXXX-year-old veteran. I live in Arizona. I have a safe deposit box at a local Chase bank. The safe deposit box is free to me because of the problems Chase has had handling veteran 's issues in the past. I would like my son to be on the list to have access to my box if something should happen to me. My son lives in Texas. 

Today I was told by my local Chase bank representative that Chase has a policy that my son has to be present with me at the bank in order to sign the forms for access to the box. In the past, I could have sent the forms to him to fill out. He could get them notarized and send them back. A federal credit union near me has a small card I could send him if I had a box at their facility. My son could sign it and send it back. I do not have a safe deposit box at their facility because it would cost me money. 

Now, my son would have to fly to Arizona just to sign the card. It doesnt make sense to me and the Chase bank representative could not give me a good reason for it. 

Is there anything you can do to help me get the forms signed without having my son spend the money on a flight to XXXX just to sign the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Responded to XXXX XXXX XXXX mail offer that if I pay a certain amount for a collections account, then theyll have the account be considered settled in full with the three credit reporting agencies, however, they did not meet their end of the agreement and the account shows on my credit reports as settled for less than the full amount not settled in full as promised. I will not speak to any of their rude employees who proceeded to harass me to pay more money even though the account should already be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting an old XXXX XXXX account on my file and it needs to be removed. It does not belong to me. Recently, I was mailed a letter from XXXX XXXX that got wet in my mailbox due to heavy rains in my area. It indicated due to the age of this account, it will no longer be reported and it has been removed. Experian refuses to remove this 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 2018-09-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Immediate Credit Recovery
State: GA

Complaint narrative:
I received several calls and later a printed statement by mail, regarding an old student loan from a Collection Agency that indicated they were contacting me on behalf of the Department of Education. I contacted them by phone and was told unless I agree to set up satisfactory payment arrangements or submit the full payment amount, I would be subject to further collection activity including garnishment of wages and or XXXX / S.S. benefits. The issue also is currently there is a tax offset already in force that automatically forwards any tax refunds toward the balance of the student loan. 

With that already active, I should not have to be threatened & harassed by a collection Agency for a debt that is already being paid by the tax offset.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
i contact chase bank to day to put a stop payments on two ach purchase the money was charged for XXXX dollars out of my account any way to XXXX XXXX XXXX from some eletronic check payments system than i didnt agree or allow this XXXX XXXX XXXX company to do and chase bank give this loan company system access to my account too do this after they had taken XXXX dollars out my checking account so the two loan company wouldnd i have access to my account for 18 month and chase bank guranteed me that those two loans company wouldnt be able to withdraw funds out of account, now chase bank has caused my account to be overdrawn by this loan company XXXX XXXX XXXX and chase bank failed to protact my account, and was treated very unkind by this bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  is reporting an old XXXX XXXX account on my file and it needs to be removed. It does not belong to me. Recently, I was mailed a letter from XXXX XXXX that got wet in my mailbox due to heavy rains in my area. It indicated due to the age of this account, it will no longer be reported and it has been removed. XXXX refuses to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: MA

Complaint narrative:
Hello, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2018-09-22 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: MA

Complaint narrative:
Hello, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-09-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX : I send them a validation/verification of information that they are reporting and they sent me back a letter stating that they received my dispute, investigated and will continue to report the same information. They provided no proof whatsoever, nothing bearing my original signature or any signature at all. They also are reporting this without a SURETY BOND which Texas requires of all debt collectors whether " direct '' or " indirect ''. I have attached all pertinent information and I appreciate your time. 
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 non-monetary relief
Consumer complaint received 2018-09-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed ERRORS on ALL 3 my credit report, pursuant to 609 of the FCRA.

I attached a method of verification pursuing to 611 of the FCRA. 

CRAs didnt properly respond to disputes, closed all accounts erroneously. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX 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 2018-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting several accounts on my credit files and has not validated any of the debts. XXXX XXXX XXXX began reporting XX/XX/XXXX. After I learned of this I contacted Midland several times XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. Each time I asked for validation of the alleged debt. Midland responded that they were uncertain of what I am specifically disputing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX MasterCard allowed some unauthorized charges on the account and after repeated attempts to resolve them, in the meantime they started charging my bank account WITHOUT my authorization. Out of frustration I paid off the account despite having unauthorized charges. To add insult to injury, XXXX then decided to charge me a return charge fee plus interest for the UNAUTHORIZED charge to my bank account. 

AND now they are charges late fees for unauthorized charges and unauthorized fees to my bank account FRAUD ON TOP OF FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX : I send them a validation/verification of information that they are reporting and they sent me back a letter stating that they received my dispute, investigated and will continue to report the same information. They provided no proof whatsoever, nothing bearing my original signature or any signature at all. They also are reporting this without a SURETY BOND which Texas requires of all debt collectors whether " direct '' or " indirect ''. I have attached all pertinent information and I appreciate your time. 
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 2018-09-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX : I send them a validation/verification of information that they are reporting and they sent me back a letter stating that they received my dispute, investigated and will continue to report the same information. They provided no proof whatsoever, nothing bearing my original signature or any signature at all. They also are reporting this without a SURETY BOND which Texas requires of all debt collectors whether " direct '' or " indirect ''. I have attached all pertinent information and I appreciate your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018 I ordered XXXX XXXX and XXXX XXXX XXXX. I did not see the fine print which stated that they would bill be every month for {$89.00} and {$90.00}. When I noticed this, I called and cancelled the orders. The company cancelled my orders and never sent any products. 

I spoke with Citi Cards and disputed the billing. They said I needed to prove I cancelled the orders so I called the vendor and was given a cancellation reference numbers that I provided to Citi Cards on XX/XX/2018. On XX/XX/XXXX, I received a letter from Citi Cards stating I had no proof of cancellation so the issue was resolved and I had to pay. I called them and referred to the cancelation references. They said they would bring it the billing departments attention.

I received the next bill from Citi Cards and again, I was billed for these products I did not receive. I called Citi Cards again and was re-assured it would get handled. I then received another letter stating the issue resolved and I had to pay the money. I again called and was told they would look into it and let the investigator know of the cancellations.

Please help. I suspect Citi Cards cant get the vendor to return their money so they are looking for me to reimburse them. I received no product and the vendor has cancelled my account. But Citi Cards keep insisting I owe them money. To add insult to injury they are now charging me interest for non payment despite their assurance they wouldnt. 

Any help you can give me would very much appreciated as it appears my talking to them falls upon deaf ears.

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 2018-09-22 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: IL

Complaint narrative:
In XX/XX/2017 i have talked to a account representative at XXXX XXXXXXXX XXXX   over the phone before making payment in full for my credit card account, account number XXXX and had made an agreement to pay account only if account was deleted. I've made the payment in full and XXXX XXXXXXXX XXXX have failed to remove the negative item from my 3 credit report with XXXX, XXXX   and transunion. I've contacted and disputed them about this situation. multiple times with no solution. my report shows that my account has payment after charge off in which is double enrichment and is unlawful according to the fair credit act since they have already charged it off

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 2018-09-22 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
There were some unauthorized charges on the account, they refused to remove the unauthorized charges. I paid the accurate amount and now they are charging late fees for unauthorized charges AND reporting false information to the credit bureau

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 2018-09-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Okay, over the past several months I have been corresponding with " XXXX Credit Reporting Bureau '', Trying to get them to delete a Bankruptcy charge off my report.

This company is a Third Party that sell information to other credit reporting Bureau which is against the law. I have copies of all three different Credit reporting agency Last credit reports. One XXXX Reporting Act shows a correction vs the other two.

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 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
After going thru hardship due to identity theft and deceptive practices as reported to the Federal Trade Commission and my local police attached. I contacted Discover bank to pay my standing debt off as good faith. I've spoke to a representative regarding payment in return for deletion of negative rating on the 3 credit reporting bureaus. which was agree so on XX/XX/XXXX i paid full balance owed. however i undergone Double Enrichment because as stated by Discover Bank on my account I've made payment after charge off / collection settled. also discover has failed to report accurate balance i ask for verification of all bills, a physical signed agreement contract baring my signature and proof of my photo I.D . although in good faith to clear my name and credit reputation the bill has been in fact paid in full by me all I've asked Discover financial is to deleted this negative mark from my credit as agreed when payment was given. even after I've tried multiple time to write good will letter explaining my hardship due to identity theft yet nothing has been resolved. I was told by the Federal Trade Commission to submit proof to all potential affected creditors a copy as proof i was in fact a victim of Identity Theft and Deceptive practices. i think that its unfair that Discover Financial can hold a honest XXXX, XXXX Veteran, Father, citizen and Consumer back from achieving good credit rating to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Went online to freeze my credit information with Experian on Saturday, XX/XX/2018 and after entering all the correct information was not able to freeze my credit information with Experian online. Experian website shows that they were not able to freeze my account based on the information I entered, and requires I send all of the same information along with copies of my licence and bank statements by certified mail. I made screen copies of all the information Experian required online and my answers to these questions as proof that I entered the correct information to freeze my Experian credit 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 non-monetary relief