vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 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: CA

Complaint narrative:
XX/XX/2020 Chase Bank Account Inquiries XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$120.00} on my account. The amount is inaccurate because it was a fraudulent charge that was returned by XXXX on XX/XX/XXXX. 

Two fraudulent charges were made on the website XXXX both for {$120.00}. I contacted both my credit card company ( Chase Bank ) and XXXX XXXX the merchant ). Initially both refunds were issued and all was well. 

In XXXX, Chase Bank returned one of the {$120.00} charges to my credit card and I was forced to pay. I contacted XXXX and they said that they issued two full refunds and that the issue was with Chase Bank. 

Two refunds were issued by XXXX and Chase Bank only gave me one of the refunds. 

Multiple calls and messages were sent to Chase Bank to resolve the issue. Only automated responses were received. No attempt was ever made by Chase Bank to resolve the issue. A Chase bank representative said they would forward the information to the correct department, but no further contact was made. 
XX/XX/2020 - Call and message XX/XX/2020 - Message XX/XX/2020 - Call and message XX/XX/2020 - Call and message XX/XX/2020 - Message XX/XX/2020 - Message Enclosed are the two refunds, both for {$120.00} by XXXX on XX/XX/XXXX, My credit card statement and the details of the transaction in dispute from Chase Bank. 

Please investigate this matter and correct the billing error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: KS

Complaint narrative:
As a victim of identity theft. 

On XX/XX/20 I sent a letter to Equifax stating that I was a victim of identity theft ( XXXXsigned copy _Identity Theft Letter to Credit Bureau_ Equifax_Fraud Victim Assistance ) The letter was sent Priority Mail Express 1 day, with a tracking # XXXX, and was in Equifax possession as of XX/XX/20. 

The letter explained to Equifax that I am a victim of identity theft, and that the accounts listed in my consumer report should be blocked pursuant to section 605B of FCRA. 

This letter also contained the following enclosures : Identity theft report, Police reports, Identity Theft affidavit, Victim Authorization to Law Enforcement, Proof of Identity, Copy of Credit Report, Fair Credit Report Act Section 605B, and lastly a copy of a certified Letter Sent to Equifax on XX/XX/20, as of XX/XX/20, Postal Tracking indicated it was not delivered. 

On XX/XX/20, I received a letter from, Equifax dated XX/XX/20 stating that they received my request concerning blocking of certain information on my Equifax credit file. 

Please be advised that Equifax, at this time and pursuant to section 605B ( c ) of FCRA, is not blocking the information subject to the submitted Identity Theft Report and/or Police report you provided as part of my dispute.

The letter goes on to state they are contacting the source directly and performing an investigation within 30 days.

Equifax is depriving my consumer rights by willfully failing to comply with the FCRA requirements to block the reporting of fraudulent information in my credit report, after they were presented with an identity theft report, in violation of 15 U.S.C 1681c-2.

As required by 15 U.S.C 1681c-2 ( a ) Equifax is required to block the reporting of any information in my my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Despite the FCRA 's requirement, Equifax has declined to block the reporting of fraudulent information by wrongfully rejecting my valid identity theft report and relying instead on the same verification procedures it uses for common disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
Unauthorized inquiries on my XXXX  credit report that I did not authorized XX/XX/2019 Ally Financial, I did not authorize this inquiry. 

XX/XX/2019 XXXX XXXX XXXX  XXXX, I did not authorize this inquiry XX/XX/2019 XXXX, I did not authorize this inquiry

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 2020-07-12 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: DE

Complaint narrative:
Unauthorized inquiries on my Experian credit report that I did not authorized XX/XX/XXXX XXXX XXXX XXXX, I did not authorize this inquiry XX/XX/XXXX XXXX  XXXX XXXX, I did not authorize this inquiry XX/XX/XXXX XXXX XXXX, I did not authorize the inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX, I did not authorize this inquiry

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 2020-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Healthcare revenue recovery group attempted to collect a debt that was payed in full by my insurance company.

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 2020-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I tried to link account to XXXX for car payment while buying. It was not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I called Chase to determine why my credit card limit was reduced from {$3500.00} to {$2000.00}. Over the previous two months ( XXXX and XXXX ), I paid {$1500.00} to chase and was working on paying down my card balance. I believe that Chase lowered my credit line as a predatory practice as it people, including myself, were receiving stimulus checks due to Covid. I find it appalling that during a time when electric companies were waving fees, mortgage companies were waiving fees, insurance companies were sending out refunds and people were losing their jobs- Chase decided to lower my credit limit. On top of that, when I called to address the issue stating that I had the card for a while and had been increasing my payments the previous two months by paying {$300.00} and {$500.00} dollars every two weeks, they lowered my credit line. The Chase official told me there was nothing that they could do. I then received notice of a hard inquiry on my credit report that lowered my credit score at a time where I was building my credit and amidst a pandemic. I believe these predatory practices by chase are widespread and should be addressed. Id like to have the hard inquiry taken off of my credit report as chase lowered my credit line at a time where i lowered my balance from XXXX to XXXX. Chase in return lowered my line of credit to XXXX as soon as I had paid it down and simultaneously when my stimulus check was issued.

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The CRA, Experian, after several disputes, regarding inaccurate reporting for XXXX Acct # XXXX keeps returning my disputes with the following statement, " the information you disputed has been verified as accurate '' ( latest response, Report # XXXX, XX/XX/2020 ). 

Federal Law requires that this item be immediately removed because the information is inaccurate and, can not be verified.

The account is missing several years of payment reporting history. Experian is reporting one year of payment history on my report, with a one month collection. I have repeatedly asked them to investigate this for missing payment history and missing highest account balance. I have reference the Fair Credit Reporting Act, pleading with them to be compliant and remove this account.

Instead, they have falsely stated that the account has been verified as accurate. How can an account that has been opened for over 3 years, reporting one month of payment history - which is negative - be accurate. Experian is suppressing my score, making it difficult for me to access credit. They are in violation of the law.

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 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$240.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

2. XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my 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 2020-07-12 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$240.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

2. XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
Please be advised I have requested validation and " verification '' of an item reported to you by Stern Recovery Services Inc for XXXX XXXX and XXXX XXXX. 

Stern Recovery Services Inc did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX and XXXX XXXX  providing such information to them without my consent are in VIOLATION of my HIPPA rights. I will proceed with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

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 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
citi sears masterard is a great credit card but interest rate is outstanding. the balance i was paying on my cell phone XXXX on the statement it says XXXX when i look at the balance on phone i would be over the limited the interest XXXX plus being charged XXXX for over the limited fee since this covid - 19 started citi has not given any relief to consumer on their card products .at the begining of crisis.

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 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to equifax and they told ne that there was nothing on my credit for them to take off but I have a lot of inquiries as well as derogatory marks. this is crazy because my score is low and im trying to fix it but can't because they are saying there is nothing there.. I also have the letter to prove it if I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: NC

Complaint narrative:
I've been disputing XXXX XXXX XXXX  in the past and i finally got XXXX  to do a real investigation on XXXX XXXX at XXXX XXXX to see if it was a real company. the results came back that its absence of existence. this is considered a Phantom Debt, because the company that there claiming to collect a debt for is non existent. i would like this removed this from my credit report just like XXXX  has done with there  investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: NC

Complaint narrative:
I've been disputing XXXX XXXX XXXX in the past and i finally got XXXX  to do a real investigation on XXXX XXXX at XXXX XXXX to see if it was a real company. the results came back that its absence of existence. this is considered a Phantom Debt, because the company that there claiming to collect a debt for is non existent. i would like this removed this from my credit report just like XXXX  has done with there investigation.

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 2020-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo put me into a loan forbearance program in XXXX. With the promise that no negative or derogatory information would be reported during this period. They have continued to report negative late payments against my mortgage creating great financial harm to my efforts to recover financially during the Pandemic

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 2020-07-12 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/2020, I sent XXXX, XXXX, and XXXX  a letter stating that there are inaccuracies on my credit report. Ive requested these items be removed from the creditors.I am a victim of identity theft and these accounts are associated with the case. I have not heard back from them.There are Multiple Student loan accounts on my credit report that are not mine.They are required to give me a response within 30 days and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
NOTICE TO CEASE AND DESIST Re : Stop ALL Debt Collections Calls 2nd Request Dear GC Services ( GCS ), LP, This letter is in response to the many phone calls I have received from You at the following telephone numbers : GC Services ( GCS ), LP I.d . Call Log Day Time Phone # XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c. this is my formal declaration to terminate and cease ALL communication from You in regards to the debt You are attempting to collect. 

In response to the Cease Communication letter, in accordance with the Federal Fair Debt Collection Act, You may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place. 

Please be advised that I am well aware of my rights and know that any further contact by You or Your Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) Party that You use to coerce the collection of this debt shall also be in violation of federal law. 

If You do not cease communication a lawsuit will be commenced against You. 
This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication is to continue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 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: OR

Complaint narrative:
I recently Ordered a Copy of my credit report and noticed XXXX XXXX XXXX on the report, I do not have any recollection of this alleged Collection account or the company reporting it such I never even heard of this entity, and received no such contact regarding this alleged account i looked up their information in Oregons Secretary of States Business portal I could not find them at all which seems as if they are trying to collect a debt in a state they are not licensed in which would be unethical but not much of a surprise coming from a collection agency. 


Account number - 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