vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 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: UT

Complaint narrative:
I purchased a go kart for my son in XXXX of 2016 for {$980.00} using my Chase Visa/debit card. When I received the product in pieces in a box, there were several tears in the roll bars and the seat, the headlights and gear lights were n't working, the go kart would only turn to one direction, there were missing bolts, and the exhaust pipe has fallen off. I tried contacting the company, XXXX XXXX XXXX, dozens and dozens of times via email and phone and would only get the run around or hung up on. I contacted Chase and they issued the refund and started doing an investigation. I received a letter from them last week that they found the charge to be valid and they would be pulling that {$980.00} back out of my account. When I called them to ask how they thought it was valid, they stated that XXXX XXXX XXXX had given them a document that I supposedly signed stating that everything was in good working order. I told them I had never signed anything and I asked for a copy of what the company sent to them in order to prove that the charge was legitimate. They told me I could go to a branch in order to get the documentation quicker, which I did. The bank manager and I sat down as he attempted to get the documents. While on hold, he was doing some research on the company and noticed that hundreds of others had the same issues with this company and he said that it 's clearly a fraudulent company. Once we received the documents, we looked at the signature that was just a bunch of swirls and then he pulled up my signature in their database and could immediately tell that the signature was not mine, but was forged. I later called the claims department and they said there was n't anything they could do because even if it was forged, they provided something to them and that 's enough to validate a charge. I called back a couple of days later and thankfully someone in the claims department took some more time into looking into this case and he stated that it clearly was forged and they should have caught that it was n't my signature since they hinged their whole decision on it and he urged me to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
for the past week I have been attempting to either have my prior membership re-established or file a new application as a member of Navy Federal Credit Union. i have spoken to agents on the phone as well as using their online application system. After filling out online form I received an email stating that I needed to complete the application process by logging onto the website. And despite entering the user ID, password and application ID I was given I keep getting denied access with a message, " unable to locate user ''. The phone conversation ended with, " It must be updating the system. Try again in 1 -- 15 minutes. Indeed, I 've been trying again for hours with no success. These XXXX must be XXXX XXXX if they think we have hours to waste on such nonsense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: TX

Complaint narrative:
I have been a victim of Identity theft, My credit cards and ID was stolen and this information was used to apply for credit. A police report was filed. I have been trying to fix these issues on my Equifax credit report. But Equifax has done the opposite and has caused more issues. 1. Equifax removed my old address and refuses to correct it. 2. Refuses to take off the company name XXXX 3. Removed one XXXX XXXX XXXX inquire but the inquires have now quadrupled. 4. Removed XXXX XXXX / XXXX but it is back onto my credit report and the debt is now doubled. Showing up twice. Please review the 11 page letter that I put together. Its provides all the information, backup documents and my proof of identification. I have been having issues since XXXX XXXX 2016. I am done with this and I am seeking legal counsel to get this resolved if this is what needs to be done. CC : Attorney Generals Office

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: AZ

Complaint narrative:
Original I sent this to the CFPB : On XX/XX/XXXX XXXX XXXX was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. XXXX XXXX never responded to my letter. XXXX XXXX was stating that I owe XXXX. After the letter was sent, I checked my credit report onXX/XX/XXXXand the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today XX/XX/XXXX XXXX  XXXX jumped the loan amount back to {$50000.00}. Experian responded : Thank you for submitting your complaint on XX/XX/XXXX  through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB  portal and directly to Experian. On XX/XX/XXXX, we sent you a notice stating that in order to research your complaint, please provide your full name, including middle initial ( and generation such as JR, SR, II, III ), previous addresses for the past two years, complete Social Security number and date of birth. As of XX/XX/XXXX, we have not received the requested information. Once we receive your complete identification information, we will promptly address your complaint. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX XXXX TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX  Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. This is quite concerning knowing that Experian is not doing their job with handling complaints and lying saying they have n't received information from me. Attached are the documentations proving that I 've sent in the information verifying my identity. I also called Experian and verified that they received my information to which the representative told me yes and my new information was updated on my credit profile. I will also include a copy of my report with my updated address on it.

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 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC

Complaint narrative:
Jefferson Capitol calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX/XXXX/2017, I discovered an XXXX charge on Discover online statement for a membership. XXXX had contacted me for months stating that the credit card on my account with them was no good. But, I did not sign up for any membership. And, since they do not have my credit card number to charge to, I did not bother to respond to their emails. Out of my surprise, XXXX was able to charge on my Discover credit card. Here 's my problem with Discover -- why would Discover give XXXX my credit card number? I did not give authorization for XXXX to charge my credit card. In fact, they did not have my credit card. But, Discover gave it to them and let them charge me. Discover should not have approved the charges. It was not an authorized charge. XXXX had this marketing tactic that was forced onto me. I called Discover and asked them to freeze my account so that no one can charge, but the representative did not do that. The representative asked me to call XXXX -- to find their phone number and try to settle it with them. I should not have to do anything if Discover did not share my credit card number with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: MI

Complaint narrative:
ERC calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: MI

Complaint narrative:
AFNI calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
Rent Recovery Solutions is reporting on my credit report fradulently for XXXX XXXX XXXX. I 've contacted Rent Recovery Solutions and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
EOS CCA is reporting on my credit report fradulently for XXXX XXXX. I 've contacted EOS and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: AZ

Complaint narrative:
NAR INC is reporting on my credit report fo r    XXXX   XXXX   XXXX   XXXX  . I 've contacted NAR and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: AZ

Complaint narrative:
NorthStar Location Services , LLC is reporting on my credit report for XXXX. I 've contacted NorthStar and ask for the original indebtedness of said account to no avail. NorthStar has sent me account activity information and a break down of the amount. This is against the law for this company to continue to report false information on my credit report according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Does n't submit accurate amounts so that I may use XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX XXXX keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding XXXX XXXX XXXX XXXX. The account and car was charged off over 3 years ago. And we have already been through this process with XXXX XXXX and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. Equifax call center is in the a different country and we ca n't get anywhere with them. This XXXX XXXX needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX and Wells Fargo keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding Wells Fargo dealer services. The account and car was charged off over 3 years ago. And we have already been through this process with Wells Fargo and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. XXXX call center is in the a different country and we ca n't get anywhere with them. This Wells Fargo needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough

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 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried for several years to access my Equifax credit report from XXXX XXXX and I can not pass ore screen
questions. 1. I dont have mortgage 2.dont have auto loan 3.dont know amount of said auto loan 4.no bank account with those shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I have asked for this collection agency to validate this debt, they sent me a paper with a signature that is NOT MINE. I was not even living in XXXX on XXXX. This signature is fraudulent and forged. I am asking for them to IMMEDIATELY remove this collection from my credit bureaus which is negatively affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion and XXXX both have failed yo notify me of credit investigation results I requested. I have for months disputed accounts with no resolve other than comments being added yo my credit report that I was disputing certain accounts. Please ensure this is dual complaint both against transunion and XXXX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am filing this complaint to accompany the complaint I 've filed with the fdic. Bank of America has denied a claim I disputed in regards to a restaurant purchase in which I was displeased with service, treated rudely with my family and did not receive all the product I paid for. Bank of America has made an impossible demand for me to provide documentation that I did not receive all the products i ordered even though I posted a negative review of the restaurant immediately after the visit. Furthermore bank of America has reversed a provisional credit to my account and is now charging me overdraft and insufficient funds fees. On XXXX XXXX 2017, I called in to file yet another dispute in which a credit was issued and was lie to by a bank representative in the dispute department that the XXXX was added back to my account and that after both provisional credits were applied that I actually would have a XXXX balance. This is also in direct contradiction to a letter mailed to me that the funds were to be reversed on the XXXX of the month not the XXXX. This is just added to the constant ongoing issues I have had with bank of America. I have also had to file the second dispute because a charge was made to my account on a day I did not authorize. I have since then closed my debit card with bank of America for my checking account and did not order another since they have failed to honor disputed transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello CFPB, This is my second complaint against the credit reporting agency that keeps allowing collections to show on my credit report. The last two letters I 've sent the bureaus detailed what happened and included all of the necessary documents to handle the matter on their end. XXXX made multiple attempts to get this fraud case complete ad never with.

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 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation