vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: CA

Complaint narrative:
I believe that I have been treated by Chase unfairly for years. They have closed my credit accounts & bank accounts a couple times during the past few years without giving me any specific reason at all. Every time when I called them to ask for a reason, and even try to explain in case of any misunderstanding, they never gave me a fair explanation but kept telling me that they had the right to do so. 

In XX/XX/XXXX, I successfully opened a new credit card account ( XXXX XXXX Credit Card issued by Chase ) after my previous bank accounts and credit cards were closed on XXXX. Three months later, however, I got a mail from Chase saying that " after careful consideration, we decided to close your credit card account on XX/XX/XXXX, because Chase closed a previous credit card, deposit, or investment account. '' Although they did close my previous accounts, I never get to know the reason why I was blacklisted, and this upcoming account closure reminds me of being treated so unfairly starting XXXX. 

The first time Chase closed my bank accounts without providing any reason was in XXXX when I was still a XXXX XXXX at the University of  XXXX XXXX XXXX. The only reason I could think of is that I made a large amount of cash withdrawal ( about XXXX ) to buy a used car from a private party ( I was not familiar with bank services and cashier check at that time ). If that was really the reason, I strongly believe that I deserved a chance to explain. If not, why would Chase do that to a foreign student who just came to the United States?? 

After that, I did reopened bank accounts and credit card accounts in XXXX after I got a social security number and built some good credit history. However, they still closed the new accounts over a year later. Again, they did not provide any reason. It was my guess that it took a while for them to find out that they closed my previous accounts, which was not associated with my social security number. 

The information above clearly narrates my banking relationship history with Chase from XXXX to XXXX. I am so frustrated with the fact the Chase kept closing my accounts without any justifications, resulting in considerable unfairness and inconvenience for me. I am just an ordinary person who came to the United States as a foreign student, studied and worked so hard, graduated in XXXX with good standing and since then have had a stable job as a professional engineer. I could not think of one single reason for Chase to treat me like this. Chase never gives me a fair explanation for repeatedly closing my accounts. Chase never gives me an opportunity to explain in case of misunderstanding. Chase does not expunge my gratuitous blacklist status ( which is definitely a mistake! ) even after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Was not notified of investigation status or results
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Over the past 4 to 6 months I have been trying to get Equifax to correct incorrect information. I have sent in copies of drivers License, SS card, Passport, Medicare card, VA card, XXXX card and each of the three time sending in information requested they close the request with the word ( Unspecified ), ... Equifax I was told Equifax froze the information not at my request, but at an internal request once, second person said XXXX requested it? and they refuse to fix. Several months ago I was told a computer glitch, weeks later I was told internal error. I cant even log into my account, it only states " Try again later, Network error. '' Equifax on XX/XX/ requested it all again, sending onXXXX This same situation was worked on two years ago. never fixed.. Equifax has been not only un-cooperative, they have lied to me, provided false information, stalls and more. At XXXX plus years I just don't need the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: USCB, Inc.
State: CA

Complaint narrative:
I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This complaint reference XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX, XXXX  as CRA. 

All CRA are reporting inaccurate data. As a Consumer I have erronous and inaccurate personal identifiable information concerning my credit reports from CRA 's listed above. 

I have tried on many occassions to correct the legal status of my reports from all CRA 's listed above. 
Needless to say I can not get anyone in authority to physically comply with my written statements sent by certified mail XXXX of XXXX to Present. 

There are erronous public records and inquires on my personal credit reports that are inaccurate. I have sent legal documentation with SSA Death Erronous letter dated XX/XX/XXXX and XX/XX/XXXX to prove I am alive and that my personal identifiable information mist be corrected by law. 

The response I get from credit bureaus states " information verified '' or " agency can not find files '' or " records ''. 

As a Consumer I believe the inaccuracy have to do with " false death '' initiated in error by SSA Death Master Files that originated in XXXX. 

This XXXX Death Master Files death error originated in XX/XX/XXXX, was corrected by SSA in XX/XX/XXXX. 

I have attempted to correct inaccurate data for approximately 14 years with SSA and CRA 's by certified mail. This involving my personal credit reports by sending a legal court ordered with first name, and last name changed, showing proof of only one current address that should be on file involving all credit reporting agencies that have access to my personal indentifiable information. 

Section 1681s-2 Responsibility of furnishers of information to Consumer 's reporting agencies have been overlooked, and or ignored. 

I AM AWARE THE FCRA STATES THE FOLLOWING ; " A CRA must remove or verify inaccurate or unverified information from its files usually after 30 days when its disputed. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

The OCR and E OSCAR VERIFYING THIS INFORMATION IS NOT RECOGNIZED AS PROPER VALIDATION. 

Consumer complaint in demand for ONLY CERTIFIABLY COMPLIANT REPORTING and physically verified valid personal indentifiable information. As well as requiste reported to be included on any report CRA create, retain, receive, and or release using my personal identifiable 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 non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Amsher Collection services has four alleged debts listed on my credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: GA

Complaint narrative:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed this inquiry for account I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove this inquiry and inaccurate accounts I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: GA

Complaint narrative:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed this inquiry for account I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove this inquiry and inaccurate accounts I never asked to get any accounts or loans with these companies.

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 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I closed 2 credit cards at chase Bank. I asked then the amount, witch they gave me. I walk across the street to my new bank, XXXX XXXX XXXX XXXX, and they gave me 2 cashier checks for the exact amount chase told me I owed them so I could close the credit card accounts. They took the checks and said my accounts would be credited, and closed. A year later I got letter from collection agency telling me that I owed XXXX for one card, and XXXX for another card. From chase. I called and said I don't bank with chase. They said I had 2 credit card with them that were maxed out and they haven't received any payments. I said because I closed both those accounts over a year ago. The didn't want to hear it, so I called chase, I tried to get someone to discuss with. They didn't want to hear anything I hade to say. Just that it's in collection, it's to late to talk to chase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
The Bluebird company suspended my account for no reason at all.The only thing I was trying to do was to add cash to the card via my XXXX XXXX bank account. And then later I got a email says that I am permanently suspended.My Bluebird account has XXXX $ in the account now its frozen for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
wakefield has an alleged debt listed on my credit reports Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Im sick of Goldman Sachs bank USA denial of credit, I believe they are discriminating against me due to low scores, this needs to stop, it seems like only special people get credit, I want to file a complaint against them, I have been turned down three times they are wrong, they only approve special people,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I had unauthorized transaction on my account in the amount of {$520.00} and I filed the dispute on XX/XX/2021. While trying to receive my provisional credit. This company closed my account for no reason at all. Also, according to the dispute resolution email sent regarding the provisional credit issued to me. This dispute wasnt filed until XX/XX/XXXX. 2 weeks after I filed the dispute. That was the day I was to receive my provisional credit. I have attached all documents regarding this. And I just want my money and provisional credit that I was issued due to the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I WAS SIGNED UP FOR SYNCB/BANANA REPUBLIC BANK CREDIT CARD FROM A BANANA REPUBLIC CLOTHES STORE EMPLOYEE ON THE DAY OF XXXX ON 2018 XX/XX/XXXX BY SAYING IT WAS A BANANA STORE MEMBERSHIP I NEITHER RECEIVED THE CREDIT CARD NOR USED IT AND I NEVER GOT A PHONE CALL OR AN EMAIL INTIMATION FROM THE COMPANY ABOUT THE LATE PAYMENTS OF THERE ISSUED CARD. I DIDN'T EVEN KNOW THAT A CREDIT CARD IS ISSUED IN MY NAME

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
ex landlord illegally sent my name and 6 others to a collection agency because he is a habitual serial litigant, and his court order was denied. Next scheme, tally up what you can without anyone knowledge, hire the collection agency ( Caine and Weiner ) without judgement or orders or receipts, reason : Eviction aftermath and Mayhem. He XXXX XXXX Owner of XXXX XXXX XXXX XXXX. filed an eviction, the month after i left yet still sent me and 6 others demanded {$38000.00} after red tape no retrieval of those documents, ( XXXX ) as per collection lady, XXXX XXXX they finally after months of dispute and request for the docs. Manager Mr. XXXX said case is closed, can't assist! Why did agency work with this man who illegally did this to me? XXXX, i will have to get the sheriff out, he won't release to me either!! i don't need them now, but i keep for proof. 
I have forwarded my horrible situation to the Attrny General, city DA, DCFB, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This complaint reference Equifax, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX as CRA. 

All CRA are reporting inaccurate data. As a Consumer I have erronous and inaccurate personal identifiable information concerning my credit reports from CRA 's listed above. 

I have tried on many occassions to correct the legal status of my reports from all CRA 's listed above. 
Needless to say I can not get anyone in authority to physically comply with my written statements sent by certified mail XXXX of XXXX to XXXX. 

There are erronous public records and inquires on my personal credit reports that are inaccurate. I have sent legal documentation with SSA Death Erronous letter dated XX/XX/XXXX and XX/XX/XXXX to prove I am alive and that my personal identifiable information mist be corrected by law. 

The response I get from credit bureaus states " information verified '' or " agency can not find files '' or " records ''. 

As a Consumer I believe the inaccuracy have to do with " false death '' initiated in error by SSA Death Master Files that originated in XXXX. 

This SSA Death Master Files death error originated in XX/XX/XXXX, was corrected by SSA in XX/XX/XXXX. 

I have attempted to correct inaccurate data for approximately 14 years with SSA and CRA 's by certified mail. This involving my personal credit reports by sending a legal court ordered with first name, and last name changed, showing proof of only one current address that should be on file involving all credit reporting agencies that have access to my personal indentifiable information. 

Section 1681s-2 Responsibility of furnishers of information to Consumer 's reporting agencies have been overlooked, and or ignored. 

I AM AWARE THE FCRA STATES THE FOLLOWING ; " A CRA must remove or verify inaccurate or unverified information from its files usually after 30 days when its disputed. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

The OCR and E OSCAR VERIFYING THIS INFORMATION IS NOT RECOGNIZED AS PROPER VALIDATION. 

Consumer complaint in demand for ONLY CERTIFIABLY COMPLIANT REPORTING and physically verified valid personal indentifiable information. As well as requiste reported to be included on any report CRA create, retain, receive, and or release using my personal identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation