vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I ordered a 15 inch XXXX XXXX XXXX  Laptop from XXXX using my Chase Debit card for a total of {$2900.00} on XX/XX/2019. The package was supposedly shipped out via XXXX and allegedly " delivered '' to my house on XX/XX/2019. I was home the entire day waiting for the package but no one ever showed up to deliver it and I did not receive the box. After waiting 2 days in the case that XXXX delayed the delivery, the laptop still did not arrive. So I contacted XXXX, the merchant, to see if they can contact XXXX to try and locate my package if it went missing or something. One of the agents from XXXX told me that XXXX will start an investigation to try and locate the package. After a month and a half of " investigating '' and constant calls with both XXXX and XXXX and continuous times of XXXX telling me they would refund me the payment but never did, I could no longer wait for my money back speaking with them. I called my Chase bank number on the back of my debit card and disputed the transaction on XX/XX/2019. I gave them all the information they asked for and was issued a temporary credit for the disputed charges. I was given no updates on the status of the dispute, but was given my money back. At that point, because I had my money, I assumed that the disputed charges resulted in my favor. But today, on XX/XX/2019, I received a letter in the mail dated XX/XX/2019, that Chase bank has found based on their " research '' that the disputed transaction of {$2900.00} was " processed correctly or was authorized '' and will be removing {$2900.00} from my account on XX/XX/2019. Upon contacting Chase again, they told me that they will not be reviewing my claim or take a second look at it. I will lose {$2900.00} and still will not have the XXXX XXXX XXXX laptop I ordered on XX/XX/2019. At this point, I will not have the funds to pay for my monthly expenses because I will be short almost {$3000.00} with 4 days notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$7500.00}, {$1500.00}, {$7900.00}, {$9000.00}, {$2200.00}, {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 





I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Police 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 2019-05-04 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: TX

Complaint narrative:
I just recently checked my credit scores and noticed some hard inquiries I dont recognize all the companies are in the attachment

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 2019-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: First American Mitigators, PLLC.
State: MD

Complaint narrative:
My case happened in 2013 but I only heard about you now. I found " First American Mitigators '' as a law firm specializing in loan modifications. I contacted them, and based on our conversation, they agreed to take on my case, assuring me, that they would negotiate a loan modification with my lender, in order for me and my children to be able to stay in our house after my ex husband had moved out. 
I paid them {$5000.00}. Months went by without any news. They had also advised me to not pay my mortgage while the negotiations were going on. Every time, I called them to get an update on the situation, I was told to be patient and that they were working on it. A year later, I received a letter from my lender, notifying me that my property was going into foreclosure.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
Conns home store calls my phone every days multiple times a day from different numbers. I've asked them to stop calling me, and they still continue to call me. They call me at least 2- 3 times per hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITOL ONE refused to provide information concerning identity theft credit fraud ignoring fact act disclosure laws. i provided police reports, notrized ftc reports proof of id letters from XXXX snd a copy of fact act law disclosure and letter requesting specific infotmation. i wrote and called i was given false addresses put on hold for two hours, i tried for three months i have had no response. 
capitol one credit card refuses to provide any information to help identify the fraud and the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I submitted Identity Theft doc 's to the Experian Credit Bureau, asking them to block info of my credit file. They then sent a letter saying that the files on my credit report were verified. According to 609 of the fair credit reporting act. it says that before a credit bureau can report anything on your credit file, they need to have the original docs to verify.

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 2019-05-04 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft, there inquires on my credit report that I did not authorize.

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 2019-05-04 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX  XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Apparently I have a bill of {$10.00} that I have not paid on time on my JC penny credit card. I have not received any paper bill or even a letter from them that I have an overdue bill. It was I think theXX/XX/XXXX or XX/XX/2019 statement. I'm enrolled in both electronic and paper bills but never got a paper statement.I have not access my email address that was in the account. I called them to see if they can do anything about that delinquent account that was showing on my credit report from JC Penney store but they said they can't do anything about it anymore. I have already paid the amount immediately after I found out that I have an outstanding balance and that was before I found that they have submitted a delinquent account. I was so disappointed that for just {$10.00} this greatly affects my credit score.

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 2019-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: OR

Complaint narrative:
I disagree with the dispute results. I made all my payments on time in XX/XX/2019. I requested a forbearance that was inaccurately inputted by a XXXX XXXX representative. I repeatedly tried to fix the problem, including making additional forbearance requests and calling. A delay in my IDR recertification application caused a large payment to be due and paid. This caused financial hardship for me and it was refunded. Forbearance should have been applied, however, a representative made a mistake and they became very confused about what was happening with my account. I never made a late payment. 
When I finally was able to talk to someone who thought to look at the problem differently, they were able to find the problem that was made by the employee when entering the request I made over the phone. They caught their error, approved the request for forbearance, and then marked my account as paid ahead due to my making my agreed upon IDR ACH direct deposit payments during the time the forbearance had been retroactively applied. 
I disputed with the company and all 3 bureaus. My payments were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi My name Is XXXX XXXX born XX/XX/XXXX, currently living in XXXX XXXX XXXX XXXX, ny XXXX. I have a checking and savings account in Bank of America. I deposited a check from XXXX ( XXXX XXXX ) to my checking accounts more thank a week ago and for some reason the funds are not available. I also have other issues such as the institution asking for Social security number and denying services if I deny to provide it. I tried to solve this issue with them but they deny so. Please help me I need this funds to fix my vehicle. Thank you.

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 2019-05-04 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: TN

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income. rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. I have reached out to the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. 
XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: TN

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income. rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. I have reached out to the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX. 
XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a letter to TransUnion and asked to verify information I believed to be inaccurate on my credit file because 609 of the Fair credit Reporting Act says that before a credit bureau can place something on your credit file, they are required to physically verify sign documents, so I ask them to verify with prof of my original docs. But they just sent letter saying they verified.

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 2019-05-04 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: MO

Complaint narrative:
The 3 major credit bureaus are still reporting these unauthorized disputed accounts due to identity theft. I'm demanding that these reporting agencies provide a Method of Verification of their investigation or as stated within the FCRA laws these accounts shall be blocked immediately. 

1 ) XXXX XXXX XXXX {$240.00} 2 ) XXXX  XXXX  XXXX  {$3600.00} 3 ) XXXX XXXX XXXX  XXXX 4 ) XXXX XXXX 5 )  XXXX/XXXX  XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX  XXXX 8 ) XXXX XXXX {$240.00} 9 ) XXXX XXXX XXXX XXXX   10 ) XXXX XXXX {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 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: MO

Complaint narrative:
The 3 major credit bureaus are still reporting these unauthorized disputed accounts due to identity theft. I'm demanding that these reporting agencies provide a Method of Verification of their investigation or as stated within the FCRA laws these accounts shall be blocked immediately. 

1 ) XXXX XXXX XXXX {$240.00} 2 ) XXXX XXXX XXXX {$3600.00} 3 ) XXXX XXXX XXXX XXXX   4 ) XXXX XXXX 5 ) XXXX/XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX {$240.00} 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX   {$150.00}

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 2019-05-04 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: MO

Complaint narrative:
The following items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX/XXXX {$13.00}, {$7300.00} {$4300.00} {$3600.00}

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 2019-05-04 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: MO

Complaint narrative:
The following items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 )  XXXX XXXX, ( 2 ) Dept of ED/XXXX {$13.00}, {$7300.00} {$4300.00} {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 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: MO

Complaint narrative:
The following items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX/XXXX  {$13.00}, {$7300.00} {$4300.00} {$3600.00}

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 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wrote letter to Equifax asking them to remove accounts that I felt that they were reporting inaccurately. According to 609 of the Fair Credit Reporting Act in order for a credit bureau to place something on you credit file, by law they must have original documents to verify before placing them on your account. So they have not furnished any documentation they just sent a letter stating that the reporting was verified and accurate.

Company response to consumer: Closed with explanation