vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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: MI

Complaint narrative:
XX/XX/21 - I was overcharged for a meal at a restaurant. Merchant XXXX. Transaction amount {$820.00}. Dispute amount {$790.00}. I do not have a copy of the receipt. 
XX/XX/21 - Approximate date the transaction dispute was submitted. Spoke with bank and it was communicated to me a " dispute letter '' would be MAILED to my residence. No letter was received. 
XX/XX/21 - Spoke with merchant XXXX and requested they provide me a copy of the receipt. After several attempts, I was unable to obtain a copy of the receipt from the merchant. 
XX/XX/21 - Communicated to bank I did not receive the " dispute letter ''. I was told it was MAILED on XX/XX/21. 
XX/XX/21 - Approximate date I located the " dispute letter '' on the Chase Application/website. I completed the letter and as instructed I submitted via the Chase secured message center. 
XX/XX/21 - Received letter via the Chase Application/website communicating the bank considered the dispute a valid charge XX/XX/21 - I called Chase and inquired why they considered it valid. It was communicated I did not provide evidence. I attempted to cancel the credit card and was put on hold for approximately 2 hours. The call was ended before I spoke with the Chase bank " retention team ''. 

Instructions from Chase have been unclear. Communication has been poor. 

I have eaten at the merchant several times over a several year span and I have never had a charge in access of approx. {$50.00}. In addition I am a long time customer of Chase bank and I have held the credit card for several years. Payments are made timely and the balance on the card always remains current. The transactions is error and or fraud. Chase should be resolving the matter with the merchant and merchants bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I noticed a hard inquiry on my consumer credit report dated XX/XX/2019 from American Express. American Express did not have permission to obtain information from my personal consumer credit report. 

Originally, American Express denied accessing my consumer credit report. After providing a copy of my XXXX consumer credit report reflecting the American Express hard inquiry, their position changed. American Express claimed I had consented to them pulling my personal consumer credit report. 

American Express has provided conflicting information. I am requesting documentary evidence regarding this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Always had the money on one on my accounts and was charged an NSF fee on another. Bank abuse

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 2021-09-28 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: CA

Complaint narrative:
The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX who was the second creditor. XXXX XXXX then sold the account to XXXX XXXX XXXX who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX. There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted transunion, XXXX, and XXXX regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel transunion, XXXX and XXXX to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX ''. They are not the original creditor. The original creditor is " XXXX ''. 

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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has sent us 2 credit card Invoices with XXXX balance. We did not authorize or inquire about credit cards. Cards were never issued. They said the accounts were opened by them in. XXXX XXXX and we received the 1st Invoice today XX/XX/XXXX We were informed that they get a commission for every new card-and may be the reason card was sent to us This has caused us great harm as our credit number has dropped too low now to buy a home. 

Can a credit card company do this? They said it would take up to 90 days to report the problem to the credit bureau- THEY SHOULD BE PUNISHED AND THIS PRACTICE STOPPED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 
ACCOUNTS : 1. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX XXXX ) 3. XXXX XXXX XXXX ( XXXX XXXX XXXX ) With continued use of unverified debt and contracts there are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; False or Misleading Representations 15 U.S.C. 1692e that does not meet Generally Accepted Accounting & Auditing Practices as verification is a federal violation will be used as evidence in Legal Claims.

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 2021-09-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( XXXX ) for verification of debt and material facts. 
ACCOUNTS : XXXX. XXXX XXXX XXXX ( XXXX XXXX OF XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) With continued use of unverified debt and contracts there are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; False or Misleading Representations 15 U.S.C. 1692e that does not meet Generally Accepted Accounting & Auditing Practices as verification is a federal violation will be used as evidence in Legal Claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CARD Corporation
State: CA

Complaint narrative:
Monday morning XX/XX/XXXX XXXX made a purchase at XXXX in XXXX California on the way to taking my children to the doctor. While in the waiting room I got a notification that {$480.00} was withdrawn from my account in XXXX California. I immediately called CARD.com and told them to stop that transaction. They said they couldnt because it was pending. They said they would help me resolve the issue. But first had to cancel my card. I told I have no money, that I needed to pull some out before they canceled it. They gave me the runaround the rest of day going to several different banks and cash advance place attempting to withdraw with no results. They then said oh sir youve reached your daily limit I said no I hadnt taken or received any amount. So they canceled the card & left me with nothing. They said they were going to email me a dispute form and needed me to fill out & fax back in order to start the investigation. 2 days later, no email/form. So I called CARD.com to ask when my new card would arrive and why havent I got the dispute form? They said that hadnt issued the new card, did I want them to? They then stated their investigation was over and they declined my dispute. I asked what investigation? I asked what did they do? I got no answer. I told them I googled the address where my money was stolen and talked to the XXXX at a XXXX. XXXX said they will work with XXXX-CARD.com to help resolve this. CARD.com flat out told me No, they dont need to do that. 
I get paid minimum wage, work very hard and I have XXXX children. Can you please help make this right!? Please! I still dont have a new card, I little to nothing. Thank you for anything you can do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Honestly, I don't even care if Barclay 's responds back this time. After the whole XXXX  before where they lowered my credit limit for some garbage reasons, they did it ago and in the 7 years I've been a faithful customer, I have gone from a {$2500.00} credit limit, down to {$500.00} when I just logged into their portal. Have nothing positive to say about Barclay 's. Honestly, CFPB, I wish the Fed Govt would just pull their operating license in the US. They don't deserve to have US consumers as customers. I could care less if they responded to this or not because their answer, or excuse, would be meaningless. They can claim validity all they want in what they are doing, but I have credit cards with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX, and not one of those other companies has done this XXXX. 

They are complete garbage! And I hope JetBlue pulls their branded credit card from them and gives it to a XXXX. Honestly, JetBlue customers would be much better 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 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I filed a dispute for a wire transfer for the amount of {$23000.00} dollars that I found out was a scam 2 days after I completed the transfer. I call my financial institution ( Wells Fargo ) and requested a swift recall with all the beneficiaries acct info and bank name ( XXXX XXXX  ). I notified them that this was a scam and I have all the supporting documentation for the transaction. The wire transfer was sent on the XXXX of XX/XX/2021 and I requested the recall on the XXXX of XXXX however my financial institution did not contact the beneficiarys financial institution until XX/XX/XXXX to request a recall on the funds.This was a total of 27 days and or 20 business days after I notified the bank that this was a scam and my money was being stolen. The bank dispute page shows all disputed transactions will have a resolution within 10 days and temporary credit to my account if the investigation would take longer. Wells Fargo did not fulfill its fiduciary dutys to me as a customer in a reasonable time frame in a attempt to recall my money. I supplied wells Fargo with the police report number and supplied my local branch with all the supporting documentation. I feel as if Wells Fargo would have acted in a timely manor then the chances of me receiving some or all of my money back would have been greatly increased.

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 2021-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: AL

Complaint narrative:
Midland mortgage has added {$5500.00} to our mortgage statements. When we spoke with them they stated that charge was from the previous Mortgage Company that service the loan. However, for over 1 year and half they have failed to produce any receipts that validate this charge per written request to the Office of Vice President at Midland Mortgage. We just completed a modification as a result of COVID -19 and making payments. However, the statement due we received is now showing nearly {$8000.00} ( Statement Attached ) due when I payment is {$1600.00}. Even though we just modified the statements still show we are behind, but there is no validation of the fees. This mortgage was transferred to Midland on XX/XX/2016 ( Transfer Document Attached ). It was nearly four years before we saw these charges appear on our statements. Midland is stating the fees are attorney fees from XXXX who they purchased the loan from in 2016, but provided no documentation. In addition, they are stating the fees are for {$20.00} fees a month for someone driving by our home. I have emailed Midland and spoken with them to request these charges be removed. We spoke with them again today and receive the message don't worry those charges are only due at the end of the loan, but the charges are appearing due now on the statement. We are doing all we can to pay our mortgage and in the middle of all this pandemic and an extra {$5500.00} is added to your mortgage without any standard of justification.

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 2021-09-28 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..

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 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This letter is a follow up to my original letter regarding the inaccuracy in your credit reporting, regarding the entry being reported as Repossession and Charge-off. 

Pursuant to the class action settlement agreement effective XX/XX/2021, you are mandated to remove the repossession/charge-off from my credit reports. However, I was informed by your executive department that the entire trade line will be removed. I do not authorize the entire trade line to be deleted from my credit reports. I had 1.9 years of on-time payment history which is accurate. I never had a late payment. I only authorize you to remove the unlawful repossession and charge-off status and leave my on-time payment history. I have a copy of my sales contract whereas both parties agreed to report my payment history to the consumer reporting agencies. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for purpose of filing a complaint with the Federal Trade Commission and the Attorney Generals office should you continue your non-compliance. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2021-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One After receiving the attached document on XX/XX/2021. Capital One decided to close my account and I did not request for Capital One to close my account On XXXX XXXX stating that it was based on business concerns that did not relate to my credit worthiness. When on XX/XX/2021 at XXXX and XXXX on a recorded line from 3 reps. one specifically by the name of XXXX, and The Fraud account manager Supervisor XXXX stated that my account was closed due to excessive account returns.Which indeed in not a fact. Another rep. then stated the account was closed due to account usage with no further details. Then finally the final rep then stated it was due to inconsistent activity. which once again is not a fact. To then send me a letter via email stating it was based on business concerns that did not relate to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: FL

Complaint narrative:
This company did not follow proper procedures in accordance Under the laws of the State of Florida XXXX XXXX Therefore this account XXXX  : XXXX was deleted from my XXXX & XXXX Credit Report. But is still reporting to my transunion report. They are violating my rights. Please remove this account from my credit report 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 2021-09-28 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 — Investigation took more than 30 days
Company: U.S. BANCORP
State: IL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..

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 2021-09-28 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 — Investigation took more than 30 days
Company: Lending Club Corp
State: IL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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 — Investigation took more than 30 days
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
This company is reporting inaccurate information on my credit report this debt is not mine. I never received anything in writing proving ownership of this debt .And I have never signed any contract with this company. I believe this account is a result of identity theft because the other credit agencies have already removed this fraudulent account from my credit profile. This company has already removed this information on a separate occasion now they are reporting it back on my credit profile. The information they are reporting is inaccurate and unfair. It states I opened an account with them XX/XX/21 I never opened an account with this company and this is a violation of federal law 15 U.S code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. ( 1 ) ( The banking system is dependent upon fair and accurate credit reporting ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief