vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
During XXXX weekend, while in XXXX, Louisiana my card was misused at a local XXXX. I reported to Chase bank that my card was charged {$900.00} fraudulently on XX/XX/2017. I immediately called my bank and reported my card lost/stolen. Upon submitting a dispute in order to receive my full amount of {$900.00} back into my account, chase also had me verify the transactions I made prior to this purchase of {$900.00}. I said yes to all of the charges except the one made on XX/XX/2017. I was also asked could I recall what my last transaction was the day before the fraudulent transaction took place. I responded " I believe it was XXXX for about XXXX dollars on XX/XX/2017. '' In actuality it was the XXXX for XXXX and the XXXX transaction was the second to last transaction I made on XX/XX/2017. Please be mindful that I was in a state of panic in the middle of the XXXX police department, explaining to them what was going on, while on the phone with chase. I did not have my account pulled up nor did I use my app on my phone to answer the question. I found it oddly peculiar that the customer service rep who was looking on my account did not ask me to verify if the XXXX transaction was valid or not. She led me to believe that I was correct in XXXX being my last transaction. As a result, my fraud dispute was denied. Chase refuses to credit my account in the amount of XXXX because they said that I listed the second to last transaction opposed to the first. They literally told me that had I not listed the second to last transaction from MEMORY opposed to looking at my account and stating the XXXX purchase as the last transaction on XX/XX/2017, then I would have been granted my money back. 

They are required under the electronic funds transfer act to refund me up to XXXX and myself being responsible for up to XXXX. I am a recent college graduate. I work hard for my money and XXXX is a lot of money when you already have very little. I did my part and reported my card lost immediately, chase needs to credit my account as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I XXXX contacting you concerning an account Chase have sold to this collection agency named XXXX in XXXX CA Account # is XXXX and case # XXXX Chase had sold this account in XX/XX/XXXX before their settlement with the attorney general , US Consumer Financial Protection Bureau and the office of Comptroller of the Currency on XX/XX/XXXX. 
It appears that Chase was selling customers ' debt to collection agency as much as possible before the settlement. 
In XXXX/XXXX, when the real estate market crashed, my husband and I both lost our jobs. 
We used all our reserves to make our mortgage payments to Chase. Eventually we had to use my Washington mutual/chase credit card to keep up with the ADJUSTABLE RATE MORTGAGE. 
We tried many other jobs to keep up with our payments but were not able to make enough to cover our credit cards and mortgage payments. Sadly, we were default on our mortgage and credit cards payments. 
After many years of struggling with getting a loan modification, CHASE FINALLY GAVE US A MODIFICATION. NOW, we do n't have any problems making our mortgage payments and are never late since the modification. 
Unfortunately we are not able to make any credit cards payments. Chase have sold this credit card debt to XXXX before the settlement ( as mention above ) who had previously levy our bank account in XX/XX/XXXX and taken money that were used for our living expenses such as groceries, and utilities bills. 
Now, again this Collection agency is levying our account. The problem is, due my serious XXXX I am not able to work. My husband income is the only income we have and its only enough to cover our mortgage payments and living expenses. I am only added to MY HUSBAND account to manage the household bills. i can not afford to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2017 I sent a letter to Experian in regards to an unverified account with XXXX being reported on my credit report. In the letter I stated for the unverified account to be removed as it is negatively affecting me. I did not receive a response and Experian continues to report this account. On XX/XX/2017, I submitted a complaint to XXXX for the same unverified account and they responded stating that they would send validation of this debt. It is now XX/XX/2017 and I have not received any documentation validating this debt. Again, I am requesting that this account be removed from my credit report as it is affecting me. I have attached proof of the response I received from XXXX as well as the letter I sent to Experian requesting the unverified account to be removed.

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 2017-03-21 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a check to my brother account at bank of america ATM, unfortunately I did n't know my name was n't added on his account, so bank of america kept sending us a photocopy of the check, they did n't send us the substitute check or check XXXX. However, all financial institutions refused to negotiate this photocopy they had sent us including bank of america itself.

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 2017-03-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX XXXX a fraudulent credit card account was opened in my name at Capital One. I learned about this in XXXX XXXX when obtaining a loan for a vehicle for the company I own. This was the first knowledge I had of this, since I had received no statements or other correspondence from Capital One regarding this account. I have been having a mostly one-way correspondence with Capital One ever since through phone calls, faxes and written letters requesting information and investigation. 

When no real information was coming from Capital One, I recently filed a police report and their investigation is currently ongoing. A copy of their report so far is attached. I also finally received requested copies of statements from Capital One - ones I never received in the mail at the outset. Both are attached here. I sent both of these to the XXXX, XXXX XXXX and XXXX yesterday in an effort to clear this fraud from my credit records. I have also requested from Capital One, but not received, a copy of the application for the credit card. 

I continue to get letters from Capital One despite all my correspondence with them, saying that I am responsible for this fraudulent debt. A copy of the most recent is attached here. The attached statements, which took 5 months plus to get from them, show that the whole amount was transacted in one day, in many small increments, from one ATM in XXXX. I have never been to XXXX, I have never used an ATM, and I have spent no small amount of time writing to and in conversations with many different representatives at Capital One. I do n't understand why Capital One has n't considered the circumstances and mode of withdrawal of these funds to be suspicious or possibly fraudulent. See attached letter from Capital One dated XXXX XXXX, XXXX. 
I am filing a complaint against Capital One for tarnishing my credit rating without proper investigation following repeated requests and for their failure to reasonably communicate with me about this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Khoury Alternative Claims Management
State: MA

Complaint narrative:
My mother rented the 2016 XXXX XXXX XXXX from XXXX, XXXX XXXX, FL for three days starting XXXX/XXXX/2016 to XXXX/XXXX/2016. 
On XXXX/XXXX/2016, my mother returned the SUV back to XXXX garage free of any damage during her rental period. A XXXX employee thoroughly inspected the car upon the return and found no damage that my mother was responsible for. With the employee 's approval, she returned the car and paid all the rental fee without being notified that there 's any damage on the vehicle that she was responsible for. 
On XXXX/XXXX/2016Alternative Claims Management sent an email to us saying that XXXX XXXX XXXX XXXX is filing a damage claim of {$530.00} again us months after our rental. 
After we sent them a dispute letter saying that we did n't cause any damage during our rental, Alternative Claims Management and XXXX insisted on collecting the claim. 
I think they are making a fraudulent claim and are trying to scam us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of Identity Theft. I filed a police report and submitted an identity theft affidavit and the other required documents. Transunion was slow in getting back to me and when they did they left XXXX bankruptcies on my credit report. I contacted the bankruptcy office and they sent me a letter stating that they do not report to credit bureaus and asked me to send the letters to all three bureaus. The other bureaus removed the information. However, Transunion reps were very rude and uncooperative. They lied at first and said that they had not received the letters from the bankruptcy office. Then they put me on hold for a very long time. They are very rude and unprofessional. Please help as they are clearly violating FCRA laws.

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 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I do not owe such a debt this is a mistake my insurance paid this, remove this account listed XXXX FOR XXXX INACCURATE DATA

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Several utillitiy bills from XXXX and XXXX were on my credit report. I disputed them with the credit bureau and asked them to to furnish proof they belonged to me. Experian did not send me any proof of the invetigation results, but they refused to remove these items. I would like them all removed as I do n't feel they belong to me.

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 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian continues to report i formation they can not validate. XXXX and XXXX have already removed the XXXX erroneous accounts from their credit reporting. Experian will not provide me with any documentaion or proof to substantiate these debts. They have now stopped taking my disputes and continue to report this negative information. I am seeking out every way possible to rectify this.

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed with Experian in XX/XX/XXXX and in XX/XX/XXXX with ftc affadvit and police report with utility bill, copy of id, and copy of report of identity fraud accounts reporting on my credit file and they responded with a credit report with the same info on it again. I also reported with the companies that were reporting and only a couple of them actually sent me notification that they will inform the bureaus to remove my info. I just checked again and even though there was no verification, the accounts remain on my credit file causing extreme distress and preventing me from refinancing my home loan. There were a couple of things that they said they verified but did not provide me of the info that they verified with. I told them that whatever they verified was not true because they were not my account!!! 1. XXXX Negative item- never heard of them. 2. XXXX Negative item 3. XXXX Negative item XXXX Negative item 4, XXXX. These were formerly disputed through your organization in XX/XX/2015 but you were unable to reach me because of change of phone number.

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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2017, I pulled my credit report from Experian. After examining the report I noticed several accounts that were past the 7 year date and was still on my report. ( XXXX # XXXX ) and ( XXXX # XXXX ). I wrote a letter to Experian and requested that these accounts be removed. On XX/XX/2017 I sent this certified letter ( see attached ), requesting that this information be deleted immediately. Today is XX/XX/2017 and I have yet to hear from Experian. Please assist in having these invalid accounts 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 non-monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information.

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 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
My mortgage company has not paid my Real Estate Taxes out of my escrow after stating it would be paid. My tax bill is now past due and I can not get any response or help from them. THe bank is Citizens One

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PlusFour, Inc
State: NV

Complaint narrative:
I have a collection for {$20.00} that was paid directly to XXXX XXXX and they cashed my check on XXXX/XXXX/16. This should never have gone to collection. I 've sent plus4 the check copy and asked them to remove it from my credit report. They stated they wo n't remove it until other accounts are paid. I believe they can not do this as this was paid prior to them receiving the collection. I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Under a recent direct of all three credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
Deville Asst Management this company did not send me a letter or bill, they fail to notify me. The only way I found out this debt is thru my credit report. And the information they have on XXXX XXXX is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Century Financial Services, Inc.
State: CT

Complaint narrative:
Century Financial Services is continually leaving automated messages stating " This is attempt to collect a debt. Call us at XXXX '' without stating who they are calling for. There is no way to reach a live person and I have never heard of this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Elderlife Financial Services, LLC
State: MS

Complaint narrative:
I am not sure if I contacted you already. My dad suggested I contact your company and I contacted someone but am not sure if it was this company. My situation. 

I cosigned for a loan with a company called Elder Life Financial for a family friend. It was to be reimbursed by the VA. However, after getting the loan she became sick ( XXXX ) and passed away. I was unaware the proper paper work was filled out because although my name was on the loan I was never contacted unless a payment was late. Since her passing I have contacted the company numerous times ( upwards in the XXXX ). I have requested to speak to managers, anyone who can assist me in the situation and never received a call back. Most recently a gentlemen named XXXX XXXX who is in charge of the account supposedly has been contacted and left message after message with no response. Currently the payments sent our " interest only '' and have been for almost three years. The family friend making the payments as it was her mother the loan was for is on XXXX and can only afford a certain amount each month. It is difficult for me to assume responsibility for this loan as I am about to go back to XXXX in 6 weeks. Not to mention the company says the loan is to be paid in full by XX/XX/2016 and if not will turn it to collections. I can not get in touch with anyone to assist me with this matter. I have worked very hard to obtain a good credit standing and this is on the verge of ruining it. This is something I have no control over and I have no doubt it would have been handled properly had she not passed away. I am at a loss for what to do and would greatly appreciate any assistance you can give me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Fleet Financial, Inc.
State: CO

Complaint narrative:
I sent a query to XXXX XXXX, an online auto loan company. A company, Fleet Financial, responded and I asked for a quote. I subsequently decided to go with another lender. However, Fleet Financial sent me a notice afterwards that they rejected my loan and sent a notice to the XXXX credit-reporting agency. My credit is not bad, in fact is in the top XXXX %, and I have no delinquencies etc. as Fleet Financial claims. I secured a loan without problem from a credit union. I believe Fleet Financial 's action is an act of retribution to offset my rejection of their loan. I will communicate with the credit union, but I think this kind of activity is at the least unprofessional and at the worst harmful and damaging of character and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Transcontinental Credit & Collection Corp
State: NY

Complaint narrative:
I wrote ( and called ) and told them ( the Debt agency and then their attorney ) NOT to contact me. They did anyway. When I called them again - to tell them read the letter you received a month ago and DO NOT CONTACT ME - they both ask can we call you for additional information!

Company response to consumer: Closed with explanation