vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 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: WA

Complaint narrative:
Upon checking my credit report, discovered a collection item from XXXX XXXX XXXX XXXX. At that time sent letter advising company to verify this item by providing some contractual obligation to pay bearing my signature. This letter was sent XX/XX/XXXX. After waiting the appropriate time to hear back from this company, I began communicating with the credit bureaus directly. On XX/XX/XXXX, a letter was sent to the credit bureaus advising this company had not responded to my request.. All credit bureaus responded stating they would go initate an investigation based on information provided.In XXXX, received communication from credit bureaus stating that information had been verified as accurate. On XX/XX/XXXX a letter was sent to credit bureaus requesting they provide procedure used to determine accuracy as well as any documents bearing a my signature, showing that I have binding contractual obligation to pay. To my disappointment, the credit bureaus again responded back stating item was verified as accurate. Another letter was sent on XX/XX/XXXX, again requesting documents bearing my signature, showing contractual obligation. Again the credit bureaus responded back stating item was verified as accurate, and that I needed to contact the company myself. According to guidelines, the burden for verification of accuracy is on credit reporting agency, the credit bureaus.

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 2019-04-08 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: TX

Complaint narrative:
My credit report includes fraudulent information afecting my credit and social security, using different names, different addresses. Accounts for collection that they are not mine. I have reported to Experian and XXXX detailed of all those fraudulent information. These two companies and XXXX XXXX and other included did not want to remove fraudulent movements. 

I need your help to ask Experian, XXXX and all companies that included in my credit report and reported to Experian and XXXX to remove al fraudulent records in my account. They are affecting 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 2019-04-08 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: TX

Complaint narrative:
My credit report includes fraudulent information afecting my credit and social security, using different names, different addresses. Accounts for collection that they are not mine. I have reported to XXXX and TransUnion detailed of all those fraudulent information. These two companies and XXXX XXXX and other included did not want to remove fraudulent movements. 

I need your help to ask XXXX, TransUnion and all companies that included in my credit report and reported to XXXX and TransUnion to remove al fraudulent records in my account. They are affecting 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 2019-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit report includes fraudulent information afecting my credit and social security, using different names, different addresses. Accounts for collection that they are not mine. I have reported to XXXX and XXXX detailed of all those fraudulent information. These two companies and Capital One and other included did not want to remove fraudulent movements. 

I need your help to ask XXXX, XXXX and all companies that included in my credit report and reported to XXXX and XXXX to remove al fraudulent records in my account. They are affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! GS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: NY

Complaint narrative:
On XX/XX/18 I took an XXXX from XXXX XXXX to XXXX NY. I had Approximately {$80.00} in XXXX credits that expire monthly that I was happy to use as it was nearly the end of the month so I set the trip to charge my credits in full. However upon arrival in XXXX the XXXX drivers XXXX malfunctioned and showed the fare incorrectly as {$15.00} so only that was deducted from my credits, leaving approximately {$64.00} in XXXX  expiring credit. The the next day ( XX/XX/18 ) the driver contacted XXXX  and the fare was corrected, however now FRAUDULENTLY charging a chase card I had on file. This was an unauthorized charge, as my original ride was fully paid for in XXXX credits. This would be akin to a frequent flyer taking a flight, then landing and the airline charging his credit card INSTEAD OF DEDUCTING THE MILES. I contacted XXXX   several times throughout the next few weeks, and received multiple incoherent responses from them. I then contacted chase who informed that since the credit card was in my XXXX   account, XXXX has a right to charge it. XXXX refused to change the payment on the ride, and my credits ( I did not have a chance to utilize them in the following 24/48 hours ) were left to expire. 

I vehemently disagree with XXXX & Chase. I initially fully paid for my ride in XXXX credits, and if XXXX decides to change the method on me after the ride was paid in full, I need to be contacted. ESPECIALLY AS THERE WAS ENOUGH XXXX CREDITS AS INITIALLY SELECTED TO PAY FOR THE RIDE IN FULL. 

As you can see from my attached communication, the XXXX   reps seemed to indicate that the " XXXX credits were not selected for the trip '' as you can see in my attachment of my communication with them and the initial receipt, this is patently false. 

Chase needs to refund me my money, as this is clearly a fraudulent charge that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018 chase closed all my credit cards and bank accounts, with no given reason. Further calls escalating the matter and talks with my chase private banker did nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/18 Chase notified me that they were closing all my credit cards that I had with them. 

Chase fraudulently informed me that this was due to " our affiliate ending it's banking relationship with you ''. I do not have, nor have had a chase bank account in nearly 20 years. 

Additionally at least one account ( my freedom card ending in XXXX for example ) was opened prior to chase taking over the credit card account and at no point did I agree to the terms of the card, specifically those governing the closure of the account without forewarning and arbitrarily - therefore I am not bound by those terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I started using paypal to store money on my wallet, from the start it was good and now im unable to accept my money on paypal. 

They are frauds they forced you to update the app and now you cant use your own money, Paypal are frauds. 
They took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2018 I went through financial hardship ( Lost my job ) and my account had a balance of {$870.00} with a {$1200.00} credit limit. When called by my creditor ( Which i had 2 years of On time payments with ), I described my situation and explained that i was actively looking for another Job. That I needed some time to get employed and receive my first check. I actively answered and gave updates when I found my new job. That Id be able to pay and that I only needed one more month or less for a minimal payment with my first check. I was told I needed to pay at least 2 months or the account would be closed which I couldn't afford and unfortunately it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible.

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 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible.

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 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have previously sent a letter to the lender and servicer along with attached proof and documents which indicate that the Assignment and transfer document recorded in XX/XX/2009 was fraudulent executed by XXXX XXXX. In addition, in XX/XX/2009 an affidavit was executed by XXXX XXXX that appears to also be fraudulent and in addition, XXXX XXXX claims to have knowledge of the complete loan and information and warrants it to be correct as presented for a XXXX foreclosure application. I have repeatedly requested validation of standing and legal chain of title given these two documents. Bank of America fails to ANSWER the very direct question if the documents were signed fraudulently by people who did not have authority to execute them as represented in the documents. In short - are the documents fraudulently executed? I am providing copies of the Transfer and Assignment document, the affidavit, and documents which show prior depositions and records of robo signing in lawsuits across the country. Were the documents executed in fraud? 

Prior responses refused to directly answer the question but instead manipulated the question into arguments that the foreclosure court had answered the question or that a quiet title suit filed and dismissed settled the issue. Please note that the court did not have the information on the fraudulent documents in the XX/XX/2009 foreclosure hearing and therefore did not review the fraud issue and in the quiet title suit that was dismissed the issued was not addressed because the lender and servicer transferred and assigned the loan during the middle of filed litigation without notifying the owner and the attorney representing BOA. BOA had failed to answer and address the quiet title issued during the 90 day period of time and were arguing against a filed judgment motion. AGAIN, I am requesting a direct answer as to the legal authority of both the representative that signed the documents and weather the documents are fraudulently executed.

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 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX Wells Fargo XXXX XXXX staff introduces a traveling credit card, I got Introducing the Propel Card paper ( see attached file XXXX.for To qualify for the 30,000 bonus rewards points, ) and online apply and got new card # XXXX that 3 % travel ( item ) : Airline, passenger railway, hotel/motel, timeshares,, XX/XX/XXXX I pay {$1200.00} to XXXX XXXX XXXX AZ that is timeshare Owner Resort Maintenance fee belong Travel ; But I only got 1 % rewards points. I sent Message to Wells Fargo, before they said only phone talk. XX/XX/XXXX talk XXXX still no answer. XX/XX/XXXX I sent Message why I dont see Get 30K bonus points when you spend {$3000.00} in purchases in the first 3 months. item, and insist on ask Message reply. XX/XX/XXXX XXXX XXXX reply Message how important it is for you to be able to find out when your promotional 30K rewards points will reflect on your account. XX/XX/XXXX I spend more/over {$3000.00}, but still dont see bonus points. XX/XX/XXXX I sent Message again my Credit card # XXXX already use over {$3000.00} until to XX/XX/XXXX, please keep the honor as Get 30K bonus points when you spend {$3000.00} in purchases in the first 3 months. item, and deposit 30K bonus points to my reward account. But XX/XX/XXXX XXXX XXXX reply Message If you currently have an open Wells Fargo Credit Card account, or that was closed within the last 12 months, you may not be eligible for introductory offers on new credit card accounts., I dont agree description, XX/XX/XXXX I talk with Mr . XXXX XXXX who said within 15 months apply 2 credit cards, new credit card cant get bonus offer. I tell XXXX branch introduce Propel Card paper dont show you mentioned 15 or 12 months reason, If you delete bonus offer for my new card, you must notice me before, or dont accept my application. He said No, No, No., think didnt need. I also mentioned XX/XX/XXXX pay {$1200.00} timeshare Owner Resort Maintenance fee, only get 1 % rewards points, he terminated phone. XX/XX/XXXX XXXX calls said send 15 months description paper to me. I find Wells Fargo already amend/plus 15 months item to webside. Why now become 15 months, because I apply another card # XXXX in XX/XX/XXXX that just is 13 months. I claim them pay 30K bonus points and less XXXX points ; and also remind Consumer notice Wells Fargo dishonest and immoral way. Of course have other story for this card. 
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 non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
I payed faithfully 18 months on time payments overdraft my acutal banking account if necessary. This was my first actual credit card after 18 months with a {$500.00} credit limit. I was notified i owed over $ 1k dollars as XXXX year old working for $ XXXX/an hour XXXX job. I refused to pay. I asked how was this even possible. The representative responded my payments didn't go through. I then replied if this were true how was i granted more credit. I was told that i was being sneaky mind you all my payments were done via the actual discover app straight from my bank account at the time and i had the overdraft fees to prove it. I sent in documents and disputed my heart out as i watched for the very first time my credit plummeted. I eventually saved up and payed in full expecting it to be deleted, and to put this all behind me. Naive of me it never did and my credit went up maybe 6 points. 6 years later my credit still has never been the same

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C/C Financial
State: NV

Complaint narrative:
Furniture was leased with XXXX XXXXXXXX, advised me that i now owe 3 times what the furniture initially costs, even though payments have been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: Continental Finance Company, LLC
State: NV

Complaint narrative:
Continential finance is reporting my credit card as being over 30 days late, however when called and spoke with the supervisor they admitted that it was never over 30 days late.

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 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe, because I often may be living or visiting abroad for extended stays out of the country this has made me an easy target for identity thieves here in the U.S.. It was just a week ago or so that I discovered that there was a credit card and auto loan previously unauthorized by me taken out in my name. This include a XXXX XXXX credit card and an auto loan with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 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: CA

Complaint narrative:
shows multiple credit inquries on my credit report which I don't know nothing about. and I tried disputing multiple times but no help. and my there 2 account in collection one in XXXX and 2nd XXXX XXXX XXXX XXXX i didn't open these account or had any knowledge about these account these are fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
shows multiple credit inquries on my credit report which I don't know nothing about. and I tried disputing multiple times but no help. and my there 2 account in collection one in XXXX and 2nd XXXX XXXX XXXX XXXX i didn't open these account or had any knowledge about these account these are fraudulent accounts

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