vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was attempting to put gas on truck with my chase debit card and it kept declining. 
I call the bank and they said they made a review and decided it was best to close the account and that no further bank account can be opened with chase. And I said how is that possible if no one has communicated with us to tell us anything that how are they going to just close our bank account like that, we have our checks from work deposited there, our bills and rent payed through that account. And its not overdrafted, its been in good standing. All they said they made the decision to close the account, when I asked for a reason I was told they couldnt disclose that information and that in 10 business days the account would be officially closed and theyll make a check with anything that was left on the account and send it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days 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 investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days 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 investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Greetings, My complaint goes to the Credit bureaus Transunion, XXXX  and XXXX   because since XX/XX/2020 I have sent letters requesting that they rectify their errors presented in my credit report, I have sent 4 different letters during the last 4 months and no I have received any response from the credit bureaus. I demand that an immediate response be given to me regarding the claims previously made to the institutions mentioned above. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the 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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Received a phone call claiming to be GM Financial alleging I owed {$120.00}? I experienced a total loss of my vehicle and had been told my insurance settled. All payments were made timely on my loan. I asked for an explanation was was told the caller did not have that information? I was uncomfortable giving any payment information over the phone, and indicated, if true I would absolutely pay if they could send me the information in writing. I have never received any written communication from GM Financial. I received at least 3 additional calls and continued to request documentation and was assured that I would have 30 days to resolved from the time I received there communication. I still have received no documentation explaining why I owe this amount, and have now learned they reported me to the credit bureaus and my credit score has dropped XXXX points? I talked with GM Financial today and was told the amount is the difference between what my insurance payed in the final payout. If I knew this earlier I would have paid the amount. As a result of what I learned today I paid this over the phone. I find it unethical to hurt my credit score without receiving documentation of this situation as I requested and was told I would receive. Today I ask for their assistance in correcting my credit score they indicated I would have to file a dispute with the credit bureaus. This seems wrong since they reported me to the credit bureaus? Again, I find this unacceptable as they did not comply with my request and their acknowledgement that they would send documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: MN

Complaint narrative:
Direct Recovery Sevices has been contacting my family members, leaving voicemails for me demanding I respond and if the matter wasn't settled, they would " move to an outside party. '' This happened once before about a month prior and they had contacted myself as well and I returned the call and asked them to stop contacting my family members and also tried to see what they were calling in regards to. They refused to tell me, getting angry and eventually hanging up on me. This was in XXXX or early XXXX, now on XX/XX/20, they have again been contact my mom and brother. Leaving threatening voicemails for myself but not actually contacting me. I have no idea what this is in regards to as they would not give me any information when I did try to return the call the first time. Now they are still harassing my family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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:
My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I received an email from a XXXX XXXX with XXXX XXXX on XX/XX/XXXX. stating that my account was going to be charged {$380.00} for XXXX XXXX. I called him at XXXX to cancel this charge. He had me get into my checking account with XXXX and then he put the money back in my account but made a mistake and put {$4300.00} in my account. He said the only way I could rectify this was by buying {$2000.00} XXXX XXXX gift cards and {$2000.00} XXXX gift cards and he could put them into his system. However the cards didn't work and he had me go back and buy more cards until they could work. In the end I had purchased a total of {$4000.00} of XXXX XXXX cards at the XXXX XXXX store and {$6000.00} XXXX cards at my XXXX XXXX XXXX. He was so convincing that he was gong to lose his job if we didn't take care of it and was begging me and crying to me. 
The XXXX XXXX card for {$2000.00} was purchased on XXXX and another {$2000.00} on XXXX with my Bank card. The XXXX cards were purchased at XXXX, {$2000.00} on XXXX, {$2000.00}, and XXXX for {$2000.00}. The corporate number for XXXX XXXX is XXXX. The XXXX corporate number is XXXX. I am and older woman and am so embarassed that I fell for this. I hope you can help me recoup my money. I filed a report with the FCC and called XXXX bank and they are working on the fraud for the {$4000.00} cards from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have reached out to Chase Card Services as well as the Credit Bureaus by mailing them letters and speaking to them on the phone to dispute the information being provided to my credit file. Chase Card Services is reporting the following inaccurate information on each credit bureau 1 ) The Balance Owed, 2 ) The Highest Balance amount, 3 ) the date opened and 4 ) the last payment made on this account.

These inaccuracies are harming me and my ability to obtain affordable housing, and other important necessities. 

As they continue to choose to report inaccurately, I am requesting that they delete all information completely from all the Credit Bureaus Immediately. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit  reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Dear Sir or Ma'am, On XX/XX/XXXX AND XXXX of this year, I requested a free credit report from Transunion. Both times I received a postcard that 'our records show you've already received your free credit report in the last 12 months ... ' That is untrue because the last time I requested my credit report was XX/XX/2019. Regardless of this, the FTC requires that every consumer can request a free credit report every seven days due to COVID-19. 

I would like a free copy of my credit report. I do not believe that requesting it again from Transunion.com or XXXX will work.

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 2020-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Over the last year, I have paid my debts on time and off. Last month, I inquired for a mortgage and my Equifax report was XXXX. Since that report, I have paid off a huge collection. After paying the collection, Equifax took my score down to XXXX. I have called them twice to find out why they punished me for paying my debt but they say that my score is based on other issues. No other issue have occurred on my report other than I have paid the collection and an auto loan that has been paid in full and is not showing paid on any bureau reports. I do not understand how I am being punished with a lower credit score after paying the debt opposed to my score increasing as other reporting bureaus have done. Please help as I am currently homeless and at this rate and the credit score game, I will never be able to afford or qualify for a home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX. 

I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2020-10-07 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:
My name is XXXX XXXX. I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am not responsible, nor liable, for the {$310.00} balance that XXXX XXXX   is reporting on my credit report with XXXX. THis debt is the result of a long-time dispute with XXXX, and their refusal to take responsibility for their own errors. The amount they are trying to collect is the result of XXXX fraudulently adding my brother to my policy without my permission or knowledge. I never gave permission to allow him to be added to my policy, and XXXX was culpable in the fraud. If XXXX can show proof that I ( personally ) accrued charges that were not paid, but I refuse to pay for charges that were fraudulently added to my account.

Company response to consumer: Closed with explanation