vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had issues of multiple unauthorized ACH transfers from multiple remittance companies starting in XXXX, XXXX, XXXX, XXXX and XX/XX/2019. I have visited the Chase branch at XXXX XXXX, California multiple times and have closed and opened new accounts four times. However, my newly opened accounts continuously are compromised with unauthorized charges. I have asked Chase for options to control my account from either restricting ACH transfer to select merchants, using two factor authentication to approve for ACH transfers or rejecting ACH transfers from any remittance company. I have been advised by Chase that there no control options other than to close the account or to call Chase if an unauthorized transaction occurs. This also requires me to sign an affidavit acknowledging the unauthorize transaction every time an unauthorized transaction occurs. This is simply too burdensome. I have closed and opened new accounts 4 times, per Chases advice. I have run anti-malware and anti-virus software on my computing devices and they all came out clean. The unauthorized transactions keep on occurring and Chase is stating they dont have any controls or mitigation steps to secure my account. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: MD

Complaint narrative:
I have notice multiple late payments on my department of education, XXXX student loan account. I have been a XXXX XXXX XXXX at XXXX XXXX XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them 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 2019-08-24 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: MD

Complaint narrative:
I have notice multiple late payments on my department of education, XXXX  student loan account. I have been a XXXX XXXX XXXX at XXXX XXXX XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: MD

Complaint narrative:
I have notice multiple late payments on my department of education, XXXX student loan account. I have been a XXXX XXXX XXXX at XXXX And XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them 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 2019-08-24 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I saw two inquires on my report that I don't recognize I need each of these inquires to be removed off my report immediately. I called each company to inform them about the matter but still haven't been helped.

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 2019-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XXXX, XXXX I bought a car form CarMax, in XXXX, CA. 
They arranged for the financing, and while I was the office I was given a financing offer. 
Then 2 days later the sales person called me and told me that they now needed an additional down payment in order to keep the interest rate as low as it was. I told the sales person that I didn't have additional money, and he then told me that interest rate was going to go up. 

I was XXXX years old and didn't know better, so I thought what they were doing was normal. I made my payments on time until XXXX, XXXX, and then I was unable to keep up with them. I called them and asked them if they could give me the deal they had given me at first, try to do something to help me stay current with my payments, but I never heard back from anyone. Instead, the collection department was calling my phone, non-stop, harassing me to get me to make the payments. 
I was so scared that they were going to take me to jail, like they said, so I went and dropped off the car back, thinking that would solve the problem. Now I have a bad report for that account on my credit, because of that. I am a single parent, and I struggle so much, trying to secure housing because of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Pinnacle Financial Group, Inc.
State: FL

Complaint narrative:
I currently have two payments left and I was advised that there will be a {$180.00} additional amount due. It was a 39 month loan and I made 37 payments. All of the payments were on time. I was told that the charges were from older payments that were late. I replied that a payment was never sent late and it was an error. Also, I was advised by another supervisor there that the charges will be removed, but the woman I spoke to yesterday advised me that the individual was no longer employed there. This amount is fraudulently added to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: OH

Complaint narrative:
THIS DEBT IS MANY YEARS OLD AND IS SHOWING UP ON MY CREDIT HURTING THE LENGTH OF MY CREDIT HISTORY. THIS FALSE REPORT IS ILLEGAL AND SHOULD BE ELIMINATED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I saw two inquires on my report that I don't recognize I need each of these inquires to be removed off my report immediately. I called each company to inform them about the matter but still haven't been helped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have 3 unknown inquiries on my credit report. Amex on XXXX XXXX, XXXX XXXX XXXX on XX/XX/2019, and XXXX  on XX/XX/2019. I just saw this on my credit score and it is greatly affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I am a California consumer. On XX/XX/2019 I asked the Representative if I was being recorded because I noticed that it was not disclosed to me at the beginning of the call like it normally is. I did not get any notice until I asked if it was being recorded. Please communicate in writing only and pay me for damages. See attached letter.

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 2019-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I have been using my Bestbuy store credit card to purchase all of my appliances at Bestbuy with promotional interest free offers. My earliest promotional balance expiration date is XX/XX/XXXX. 

On my XX/XX/XXXX statement it appears that I was charged {$6.00} for interest charge on an unknown amount of {$320.00}. 

On XX/XX/XXXX I called the customer service at XXXX to dispute the interest charge and inform the rep ( I don't know her name ) that I should not be charged any interest until XX/XX/XXXX ( on a balance of {$310.00} ). The rep claimed the interest charge was on a regular purchase balance and not on any promotional balance. I told her that I have never made any regular purchase. And if I had any regular purchase at all, I would have returned them back in XX/XX/XXXX. The rep still wanted to investigate to see if this interest charge was correct and I was informed I should receive a letter for determination of the dispute. 

In XXXX I did not make any purchase as shown in my XX/XX/XXXX statement transaction description section. It did showed that some returns were made. However, there was a " regular '' balance magically appeared on the " XXXX & XXXX XXXX '' section. 

In XX/XX/XXXX, I had made 1 purchase with promotional interest deferred offer ( expiration XX/XX/XXXX ). I returned this item in XX/XX/XXXX which showed in my XXXX statement. Besides that, I did not make any purchase, including any " regular '' purchase in XX/XX/XXXX. 

Therefore, I should not be charged any interest until XX/XX/XXXX. I feel that Best Buy Card Services is not keeping good record of customers transactions and trying to charge customers fee/ interests without proper receipt and explanation. Even when I informed them of the error in billing, they still wanted to believe it's valid charge as they want to investigate further if they should reverse the charge or not. 

I have attached my last 3 statements for your reference.

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 2019-08-24 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a screenshot of the exact report I received. 

I hope you take this seriously. 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 2019-08-24 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a  screenshot of the exact report I received. 

I hope you take this seriously. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a screenshot of the exact report I received. 

I hope you take this seriously. 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 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax numerous times concerning an inaccurate account from XXXX XXXX claiming a repossession on my credit file. Equifax has reported this accounted verified and accurate. However Im baffled as to how have they verified this account when the company XXXX   can not verify this account with me.Im very unhappy at the fact that there is inaccurate information on my credit report, and the creditor failed to submit sufficient proof to validate the inaccurate account. This is my 6th letter to your company. I know the FCBA allows me to dispute directly with the creditor after disputing with you. You told me that you verified the account with the creditor but they could not provide me with sufficient proof to back up their reporting. How can you verify if the creditor could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 
Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. when was this alleged repo, how much was the car then later sold for, what was the original amount due? What documents have any representative from Equifax reviewed that sufficient to be legal binding documents proving this alleged account. According to the FCRA, you have to tell me how you verified the account above. You have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. This account is INACCURATE!! Based on the FCRA and my counsels review of the FCRA and all of the letters sent to you and received by you, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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:
The credit agencies erroneously reported the resolution to a credit dispute with XXXX XXXX. The financial institution screwed up with processing my final payment, the dealership where I bought the vehicle apologized for the error and paid to fix the problem, but the credit agencies still show my credit report with a " charge off. '' I requested an investigation from both XXXX and Trans Union. Their " investigations '' were ridiculous. And my credit report still shows a " charge off '' rather than showing that XXXX XXXX screwed up.

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 2019-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I logged in to make my mortgage payment, however, their website was non working when I would hit the make a payment option. I would show up as loading for long periods of time and wouldn't go anywhere. When it finally took my payment, it was minutes after XXXX XXXX. 

I made the payment before midnight, but they still marked my payment as a 30-day late. The payment was submitted before XXXX. 
I contacted them and explained the situation and the trouble I had with their page while making my payment, but they said that they couldn't do anything about it, and that I would have a late payment reported to my credit.

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 2019-08-24 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: IL

Complaint narrative:
Complain to FTC XXXX XXXX XXXX XXXX XXXX. ap XXXX XXXX XXXX, IL Date : XXXX XX/XX/XXXX Dear Federal Trade Commission, I have written to Experian on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a frivolous letter, sent a working with a credit repair company letter, or continues to state that they have verified the debt. Let this be a formal complaint against the ( name of the credit bureau here ). The following accounts are the items the credit bureau has refused to investigate. 
Account : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: FL

Complaint narrative:
The credit agencies erroneously reported the resolution to a credit dispute with XXXX XXXX. The financial institution screwed up with processing my final payment, the dealership where I bought the vehicle apologized for the error and paid to fix the problem, but the credit agencies still show my credit report with a " charge off. '' I requested an investigation from both Equifax and XXXX XXXX. Their " investigations '' were ridiculous. And my credit report still shows a " charge off '' rather than showing that XXXX XXXX screwed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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:
Equifax will not remove a business account from my personal credit report, even after they investigated. They also refuse to remove false inquiry information that i have disputed as fraudulent on multiple occasions ....

Company response to consumer: Closed with explanation