vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Credit Cards. 
Last year I applied for and received a Chase Slate credit card. The only reason that I got this card was because of XXXX interest until XX/XX/XXXX. 
This week I received in the mail an invoice from a Chase Freedom card. I paid the invoice which was only for {$10.00}. The card number shown on the invoice for the Chase Freedom card is the same number as the Chase Slate card. I was not notified in any way in advance of this change. I was told that my Chase Slate card was cancelled last month ( with out any notice ). I was told that I received a new Chase Freedom card in the mail, which I DID NOT RECEIVE. The new Chase Freedom card, of course, is an interest-charging credit card, which I did not order, and I did not request, and I do not want the Chase Freedom card. So called customer service and cancelled the entire account. I object to this deceptive and unwanted change in these credit cards. I know the XXXX interest rate promotion on the Chase Slate card ends on XX/XX/XXXX. But the Chase people cancelled the Slate card before XX/XX/XXXX, and they say they changed my account to the Chase Freedom card which has a high interest rate. I cancelled all of my credit cards with Chase, and complained about what happened, but did not get any explanation or apology as to why they did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I started the refinancing process with JP Morgan Chase Bank in XXXX of XXXX. It started off as a normal refi but the loan officer would request documents and then wait until the beginning of a new month to reach out and would then request those same documents again. A new loan officer was brought in and I faced the same issue. My credit has been run multiple times and I have sent and resent the same documentation to not avail. It is XX/XX/XXXX and I still have not closed on the refi of my home. I was locked in at a 2.61 % interest rate with a commitment letter but the company allowed that to expire as well. Now I am being told that I need to bring {$7000.00} to closing and I am not locked into the low interest rate anymore as the interest rates are now rising. All this with the company that already holds the loan to my home. I have had this loan with JP Morgan Chase Bank since XXXX and even with that I am still struggling to refinance. I am not taking any cash out of my house with this refi, simply looking for a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
ARS ( Account Resolution Services ) is a debt collector and ARS has been harassing me for a long time to pay a debt that I do not owe nor am I obligated to pay. ARS has invaded my privacy and used abusive, deceptive, and unfair practices in an attempt to collect a debt not owed. Ars has harmed my reputation by reporting alleged debts to XXXX, XXXX, and XXXX. ARS has used obscene language through mail communication to harass and XXXX  me. ARS has produced false representation of the character amounts and legal status of alleged debts. ARS has communicated false credit information about me with XXXX XXXX, and XXXX. ARS has furnished deceptive forms in an attempt to collect an alleged debt not owed. ARS has violated several fair debt collection practices act laws such as communicating without prior direct consent in connection with the collection of alleged debts to third party reporting agencies. ARS has used unfair practices by using symbols on envelopes in communication with me the consumer through the mail indicating debt collection. I have received adverse actions when extending credit due to the alleged debts purported by ARS to consumer reporting agencies and other individuals. I am a consumer pursuant to 15 USC 1692a3 protected under the Consumer Credit Protection Act laws which Account resolution services have violated. I have attached supporting documents and exhibits in my complaint.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., as well as the 15 US C 1681a ( 2 ) ( B ) I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$2600.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as the 15 USC 1681a ( 2 ) ( B ). I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a loan being financed through XXXX XXXX XXXX XXXX. It is not being report on my consumer report. My consumer file is inaccurate and incomplete. Its not reflecting my payments to my lender. Under FCRA 611 laws I need my account to report to my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, The scoring program used by XXXX  incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years.

-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ).

-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %.

-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''. 
-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments.

-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts.

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. XXXX XXXX  new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: GA

Complaint narrative:
Hello, The scoring program used by XXXX  incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years.

-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ).

-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %.

-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''.

-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments.

-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts.

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. XXXX XXXX new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, 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 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021, three unauthorized electronic fund transfers -- for {$88.00}, {$37.00}, and {$33.00} -- were reflected on my checking account. The following day, on XX/XX/2021, I called Citibank and reported the unauthorized transfers. An investigation was thereafter opened. ( I would be happy to provide documentation confirming this if needed. ) On XX/XX/2021, I called Citibank again to request an update because no provisional credit had been awarded. I spoke with a representative named XXXX, who told me that Citibank had decided to not provide me with provisional credit. He refused to provide me with any explanation underlying that decision. I then asked to speak to a supervisor and was promptly disconnected from the call. Two attempts later, I was finally connected with a supervisor named XXXX, who told me that the bank would immediately render a decision regarding the provisional credit. No such decision was ever communicated. 

On the morning of XX/XX/2021 -- ten business days after I notified Citi of the unauthorized transfers -- I called again and spoke with a representative called XXXX. At first, she told me that no investigation was ever opened for those unauthorized payments. After I provided her with the reference case number, she stated that she could not convey any information about the investigation. I then asked to speak with the appropriate department, and she told me that " the back office is not taking calls. '' I was subsequently connected with her supervisor, XXXX, who essentially communicated the same. He stated further that he would send an urgent email to the office elevating the issue. Still, I have yet to hear anything from Citibank about the investigation or receive any provisional credit. 

Of note, Citibank never requested written confirmation of the unauthorized transactions after I provided verbal notice. Also of note, the same unauthorized fund transfers were reflected, around the same time, on another one of my checking accounts with Citi, and I have received provisional credits for those.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself. I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions.

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 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
Today I received an alert from my credit monitoring service that this company has reported that I failed to pay a debt that I supposedly owe. I did not receive notification of this matter prior to this being placed on my credit report. They are in violation of the debt validation law and HIPPA as this may contain to my medical records

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
By law, TransUnion is violating my rights by reporting inaccurate, unverifiable information. Although TransUnion sent documentation on XX/XX/21 stating an inaccurate account was not reporting on my consumer report, I will attach a document confirming it is being reported.

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 2021-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Motolease, LLC
State: NC

Complaint narrative:
Leased a bike from Motolease XXXX of XXXX. Was told would not be on credit and could terminate lease anytime if not satisfied without credit reports. Returned the bike XXXX of XXXX to the dealership/leader. Was told account was closed. I then started getting billed for balance still owed on bike. The account has been reported on my credit every single month since it was returned/repossessed. It is showing up on my credit and behind payments. I have tried to dispute multiple times over the last 2 years. I even called Motolease to get resolved. Last call to Motolease and dispute was today XX/XX/XXXX. This account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$4000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
On XX/XX/21 I have contacted the collection agencies and credit bureaus ( XXXX XXXX XXXX ) via mail and online disputes regarding ( 2 ) collections thats not mine reporting on my credit report. They failed to provide proof and claimed the debt was validated. Legally, they are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Im requesting this information be REMOVED from my credit reports. Collection agencies as follows : 1. XXXX XXXX XXXX {$400.00} 2. Diversified Adjustment {$1500.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
My transferwise account was deactivated on XX/XX/XXXX, I have a balance of approximately {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mobiloans, LLC
State: TN

Complaint narrative:
A company by name of XXXX  repeatedly kept calling me, and some family members leaving messages with them about trying to locate me. 
And that a claim was in process of being filed in county I live in. 
I did call this number back and they seemed to know a debt that I owe but was asking me for personal information to get into file. 
I feel XXXX because I did give them some then They were going over payment arrangements that if I could have afforded debt would have been paid to begin with. 
The more I thought about it it didn't seem right so I asked for companys full name address and a written statement and they said they don't provide that information and they would send out a notice thru county to locate me.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J. Ritter Law P.C.
State: NC

Complaint narrative:
Hello, I have submitted a complaint first on XX/XX/XXXX, today I followed up with J Ritter Law and sent them an intent to settle. I just want to add this to my paperwork regarding my complaints. I have added the updated sheet of the violations and sent them the notarized copy. Thank you I cant wait to hear the response and move forward

Company response to consumer: Closed with explanation