vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2022, I went to JP Morgan Chase ( Branch # XXXX ) XXXX  XXXX XXXX located at XXXX XXXX XXXX, ME, XXXX XXXX, XXXX, GA XXXX, to deposit a check in the amount of {$92000.00}. I specifically told the young lady greeting me that I wanted to open a savings account. She introduced me to Chase Private Client representative, XXXX XXXX XXXX. XXXX XXXX looked at my Chase accounts and informed that I already had a savings account, so I requested XXXX XXXX to deposit the funds into that savings account. When I left the bank I noticed that the check had been deposited into my checking account ending in XXXX. I immediately contacted XXXX XXXX about the error and requested he correct it ASAP. He informed me at that point it was too late. I informed XXXX XXXX I requested the funds to be deposited into savings for tax purposes. He inquired if the check was " income ''. Although this was no business of his, I told him it was not income. However, why should I need to explain where my funds come from? What makes a Chase representative think they can determine whether a customers funds should be deposited into a banking or checking account? This is another perfect example of the hazards of 'Banking While XXXX '. There appears to be a double standard when working with XXXX American consumers. This must be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the Bankruptcy XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from XXXX stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus XXXX 

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the XXXX  XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from XXXX stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus .

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on XX/XX/2022.

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 2022-09-03 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: MS

Complaint narrative:
An account ony credit file was deleted once and then was added back on my credit file. 
15 U.S.C 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written instruction 15 U.S C SECTION 602 A states that I have the right to privacy. XXXX is reporting a late payment on an open account. 15 U.S.C 1666 B states a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: FL

Complaint narrative:
I have contacted Experian on multiple occasions regarding an account with XXXX XXXX XXXX that belongs to my ex-husband that has been reporting on my account. This account is reporting that I have an outstanding balance of {$13000.00}. which is completely false. Please see the attached bill of sale below that reflects the balance at the time this account was sold. The account was sold to a new company and the new creditor took the matter to court. The matter was voluntarily dismissed and I am not liable for this account. I have provided documentation to Experian and have requested that they remove the account from my credit report. Despite multiple disputes and submitting evidence to prove that the information on my credit report is not only incorrect but that I am not liable for the debt. Experian refuses to remove the incorrect information from my credit file which is causing financial and emotional hardship as this negative account has caused my credit score to decrease drastically. I am making one final attempt to resolve this issue on my credit file. Please see the attached documents that show the correct balance as well as the bill of sale showing that XXXX XXXX  does not own or service the account. Please also see the final court judgment stating that I was released from the debt. Per the Fair Credit Reporting Act ( FCRA ) " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. ''

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 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I found that I was unable to make my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments. My debt was in collection for 1 year with XXXX XXXX XXXX. I thought that I was in a position to settle the debt with XXXX  XXXX but things didn't work out and XXXX  XXXX resold the debt to Portfolio Recovery Associates XX/XX/XXXX. When disputing this account with XXXX, XXXX and XXXX the account isn't removed because the information they provide shows that I still have another year to be punished even though it has been over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: NV

Complaint narrative:
I am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX  if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-03 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: NV

Complaint narrative:
I am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, I booked a flight from XXXX, XXXX to XXXX, XXXX using the Capital One XXXX XXXX associated with my Capital One XXXX XXXX card. The cost of the flight was {$260.00} and my Capital One confirmation number for this reservation was XXXX. As part of this reservation, I received a benefit that if the price of the flight dropped within 10 days after my purchase, I would be refunded by Capital One for up to {$50.00} of the price drop amount. 

On XX/XX/2022, after daily review of the Capital One XXXX XXXX travel portal, I noticed that the price of my flight had dropped to {$220.00}. I took a screenshot for my records and awaited a refund of my flight as the price drop terms applied to my purchase. A copy of this screenshot is attached to this complaint. 

On XX/XX/2022, after the completion of the trip and 10 day price drop period, I reviewed my account details and noticed that no refund had been provided to my Capital One XXXX XXXX card. I proceeded to call the Capital One XXXX team for assistance. They advised that they did not have any records of the price drop and were unable to assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-03 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: Credit Karma, LLC
State: FL

Complaint narrative:
XXXX XXXX say that I was per approved for different credit cards but I was turn down for every application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: CA

Complaint narrative:
NETSPEND ( XXXX ) On XX/XX/22 i reported to Netspend because i found out in my account had : - XXXX fraud transaction ( different address and different name ) XXXX unauthorized transactions XXXX transactions canceled ( receipt included ) on next day, NETSPEND email for me let me know i have to waiting unstill XXXX will provisionally credit my account .... i am waiting ... .2 weeks than on XX/XX/22 i called for NETSPEND customer service to asked about dispute with claim number is XXXX, but the supervisor at NETSPEND yelling and argue to me really really mean and rude she said " i have no idea about your dispute claim, XXXX XXXX waiting ok .... '' i am waiting still XX/XX/22 NETSPEND email for me and denied my claim even though when i reported to NETSPEND i poof all documents i unrecognized transactions because different address and different name. NETSPEND said they are denied because all transactions listed on the claim was valid????? 
Enclosed are copies of statements, FTC identity theft report, documents included support for my case. 
NOW, i dispute all the transactions on the list with the card last XXXX ( XXXX ) i am requesting that the charge be refund money back to my account, that any finacial and other charge related to the fraudulent amountbe credited as well.and that i receive an accurate statement hope CFPB help me to solve this problem.thanks

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 2022-09-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  the following accounts reporting on my credit report have violated my rights .All information reported to each credit Bureaus are different and mismatched. accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Including the following inquires reported ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian 15 U.S.C 1681 section 602 A. States I have the right to privacy. It also states Consumer reporting agencies can not furnish a account without my written consent and instructions.

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 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX an account was sold to Portfolio Recovery Association, LLC. An account that I didnt know it ever existed. Until I was inquiring for a house. It had dropped my credit score XXXX points. I tried disputing multiple times about this collection. That it was an unauthorized transaction. I have a great track record of paying all my bills on time. This collection that I didnt do is dragging my credit score down. I did not receive any rights to dispute. Until recently they have sent me an email containing their evidence. They sent me a rights to dispute on XX/XX/XXXX, but to the wrong address! Thats why I didnt even know I had collections. They sent this rights to dispute to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Colorado XXXX, on XX/XX/XXXX. I have been living in XXXXXXXX XXXX XXXX XXXX XXXX Colorado XXXX since XX/XX/XXXX. Due to Failure to verify my right address has caused my credit score to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: GA

Complaint narrative:
I want the information that is incorrect ( FTC report attached ) removed from my 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 explanation
Consumer complaint received 2022-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX say that I was per approved for different credit cards but I was turn down for every application.

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 2022-09-03 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I made a purchase of {$740.00} on XXXX The products are fake/counterfeit and I tried to cancel orders but they sent me item anyway.. 

I would like a refund-charge back done on this card.

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 2022-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Hi, a while ago I contacted Mohela to request my deferment be removed. I was told that I could not do that because I was still in schoool. Mohela gave me the runaround multiple times so I moved to XXXX XXXX. Now Mohela is handling PSLF so I have no choice but to use them as my servicer. I am trying to remove deferment retroactively to XX/XX/XXXX. Payments were paused around that date and since that point payments were {$0.00}. 
Mohela gave me bad information and I have since learned that XXXX WAS allowing PSFL eligible people to retroactively remove deferment for this reason. I didn't take out more loans since before XXXX, so I wasn't adding to my loan balance. I want to get credit for the payment pause toward PSLF as I had asked previously. 
Mohela is also not showing my dates correctly now -- all of my loans show as XXXX but I stopped needing to take out money to pay for graduate school much earlier than that. My old messages are gone from Mohela as it shows they delete messages after 12 months. But I DID contact them with this request. 
Also, they sent me a tax statement claiming I had paid over $ XXXX in interest last year which I had not done. All I had done was move to XXXX XXXX. 
I know these are multiple issues, but the one I'm most concerned with is why they claimed I couldn't take deferment away while still enrolled in graduate school to take advantage of the {$0.00} payments counting toward PSLF. 
I do have record of correspondence with Mohela dating back to XXXX wanting to update my status, but do not have the emails since Mohela deletes them and they don't send the content of e-mails in their notice of a new message. 
Please feel free to contact me with questions. I really hope I can get credit for those payments since I did ask them to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was promised two tickets to a football game and did not receive any tickets once I paid XXXX dollars over XXXX. I was scammed by a women with the email address of 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 2022-09-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2002 I submitted a dispute with USAA for charges of {$280.00} to my checking account via debit card debit that I had not authorized from a company I have had business with and had decided to ilegally charge my account after leaving them a negative review for their services. USAA took over a month to process the dispute, only to request more information, which was information already provided, and then deny the dispute without refunding my money. I have been a USAA customer for over 21 years without issues and now they decide to allow someone to steal from me. Seems like they did not do any investigation whatsoever and just denied the dispute. Have they don't their investigation, they would have seem that the company did not have any right to debit from my account since I had not given them permission to debit anything, so they wouldn't have any receipt or authorization allowed by me. In addition, I did provide documentation of any payments given to the company, which were not even in the same amount of what the company debited without permission. This is simply fraud and USAA is allowing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation