vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-28 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DOB : XX/XX/XXXX S S N : XXXX XXXX XXXX Date : XX/XX/XXXX Dear, Re : XXXX XXXX XXXX   XXXX, US DEPARTMENT OF EDU XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 
You received a notice of dispute from me resulting in you advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. In fact - after THREE letters to them they have STILL not  responded which started over 90 days ago! 
The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 
Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time

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 2019-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/XXXX I opened a new customer new checking account on the promotion page of Chase bank. On that page it stated if u opened a new account and got a direct deposit set up within the first 60 days u get XXXX dollars. I got my account set up and my deposit came in 2 weeks later. I waited the 10 days it said before the promotional money would be deposited into bank account and never received it. I spoke to XXXX on the phone from customer support on the XX/XX/XXXX and he told me that it hadn't been 10 days quite yet and to wait a couple more days till XXXX. The XXXX came and went and nothing. That Saturday the XX/XX/XXXX I went into a branch in XXXX Idaho. It was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to a short haired woman who told me that because a coupon was not attached I would not be reviewing that money but that I could call customer support again and they should be able to attach a coupon. Minutes after I contacted customer support again and they told me unfortunately they couldn't give it to me because coupon wasn't attached. I didn't realize the coupon wasn't attached and I specifically let them know. I'm upset because like everyone else I did what I was supposed to in order to receive my promotion. I want my promotion that everyone else got. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Have credit freeze with all 3 agencies for fraud protection. Experian is the only one that is a problem. Impossible to reset pin, no recourse to supervisor and had to pay {$20.00} to get a new pin. 

From XX/XX/XXXX-XX/XX/XXXX I spent over 5 hours trying to temporarily remove a credit freeze. I did not have the pin they sent. I called the phone number over 15 times and it was impossible to speak with a person. After the prompts and automated responses I was disconnected. I tried resetting my Pin via their websites, on my phone and via the app. I posted my problem on social media via XXXX and a XXXX - only received a response via XXXX with to call the same number and incorrect instructions to reach a human. Sent another message via XXXX so stating - and said I am an attorney and this process is illegal - no response. Called multiple times and reached a human who, after asking me to reveal multiple security answers said they couldn't reset my pin. Asked to speak with a supervisor and was placed on hold for so long I hung up. Called again multiple times to try to reset pin - entered and provided security answers and received automated response stating I could not reset my pin and would have to mail copy of govt issued ID, two copies of mail showing my current address and a host of other information and then wait 7-10 days for a  new pin. Called yet again, somehow reached a person and asked for a supervisor - waited for 5.minutes. After being told I had to pay {$20.00} to get my pin XXXX - more than the cost of the XXXX I pointed out - asked to speak with that person 's manager - HE REFUSED AND SAID THERE WAS NO ONE ABOVE HIM. He then demanded - notwithstanding answering every security question - a copy of my current driver 's license, which took 5 times to reenter info and upload it into their system - system booted me out for time delays. He refused to waive the fee. After 40 minutes on the phone paid 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 2019-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Medical Management, Inc.
State: NY

Complaint narrative:
This company is harassing me and willfully violating public policy and laws. I reported this debt to the Bureaus as in accurate and demanded they validate the debt. The company has not provided sufficient evidence to prove this debt belongs to me nor have they provided a contract with my signature on it. This debt has also been removed by the credit bureaus and this company continues to re report it. I am now going to sue them because This is effecting my ability to move into a home. This has been going on with this company since XX/XX/2019 and it is now almost XX/XX/2019. The FCRA is crystal clear. This item should be removed immediately because I have no contract or obligation to this debt, I have no idea what is going on my information has been compromised and this is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Finance
State: OH

Complaint narrative:
I took my loan out with XXXX. NCP Finance does their lending. 

I was told that there would be a coupon credit to my account if I come to their location to pay off this loan. Yesterday I was told that is only if I pay it off early. I was never told that just that it would be done at payoff. There is nothing in my loan documents or disclosures that explains this. Also with the fee they added my APR is over 430 %. Ive already paid {$1700.00} on a {$900.00} loan. Now they want {$1000.00} more. They are predatory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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:
On XX/XX/2017. I settled a collection debt with XXXX on behalf of XXXX XXXX for {$1800.00}. First, the collection company informed me doing this will be considered paid in full, and they will contact XXXX to update their system. I contacted XXXX corporate many times but seen nobody knows how to handle this issue, also provide Equifax proof that their reporting is wrong that this account should show no balance and they should stop reporting that I am late every month since I took care this issue in XX/XX/2017. I called XXXX many times to see what was the deal, why was taking so long to update XXXX XXXX systems, their answer at the beginning was We are taking care of that, after We more phone call they did not answer me anymore. Right now Equifax  is saying the verify the account, even I supplied a letter from the collection office, also more back XXXX sold this already paid the debt to another collection office, thank God I keep the record of the payment, that I supplied to that office and they let me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Target credit card services has called me 66 times since XX/XX/16. Thats 66 times in 13 days! I have it all on my call log on my phone. This is definitely defined as harassment and it needs to stop! XXXX  XXXX XXXX auto blocked their calls it was so excessive. And considering I already told them when I could pay it, and the reason I feel behind on my payments, due to my XXXX  having XXXX, this is nonsense to keep harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX XXXX unauthorized transactions was processed. Someone hacked into my account and made online cash advances were transferred from the credit card to the checking account and then purchases were made. Money was not to be found. Never once made any online cash advances before. These were unauthorized charges. I called several times and explained numerous times I was unaware of these charges. I am zero liable for these charges.

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 2019-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for the XXXX credit card with Barclays. I have an amazing relationship with Barclays - have never been late, have never gone over my limit, etc. Further, I have amazing credit. By Barclays own FICO tool, I have a credit score of XXXX. That said, Barclays refused to issue me the card because they said I had opened other credit cards, or even dared to apply, with other banks. Yes, because I had sought credit with other banks. The agent I spoke with told me that they need to see " time away from seeking credit '' with those other banks. Barclays absolutely should not be allowed to deny credit cards as retaliation for using other banks for your credit needs. Our credit system shouldn't be as such that a bank can monopolize all your credit and retaliate against you if you do not agree to stay only with them. They should only be looking at risk and with a XXXX credit score there is clearly no risk. It saddens me that Barclays has done this because it means that millions of Americans who are not loyal to Barclays are going to be locked out of credit. I even offered to move credit from one card I have with them to another. This would create 0.0 % increased risk because they are not issuing any new credit, only moving what they have already agreed to extend me. It is clear retaliation and it must stop.

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 2019-09-28 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: Quality Asset Recovery LLC
State: NY

Complaint narrative:
I disputed this account with Quality Asset Recovery on XX/XX/2019. The company failed to respond, and never responded. I sent them a follow up letter of their default on XX/XX/2019. Again the company failed to respond and the items were removed and deleted as per section 609. The company has re reported this negative item on my credit file on XX/XX/2019while I am looking for a home. This will eventually result in my homelessness and I am going to take action in the court. I can sue {$1000.00} and up, per item per reporting. I also receive calls all day every day and have finally found the culprit behind these calls. That is harassment.

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 2019-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I sent a check to Chase Card Service, my check was from my account with XXXX. I received my monthly cedit union statement which shows that the check cleared my account. I called Chase credit card service to make sure that my account was up do date and i asked them what was the amounts that they received from me for the last 3 payments. I was told that they never received my check for {$100.00} dates XX/XX/19. I told the Chase Bank representative that my check cleared the credit union XX/XX/19. I was told by a Chase Bank representative to go to the credite union, get a copy of the back and the front of the check which i allegedly sent to Chase Bank. Chase Bank gave me a credit of the {$100.00}, they said that they would do an investigation on their end. I went to the XXXX  on XX/XX/19, one of the XXXX representatives gave me a copy of the front of the check, bowever she was unable to give me a copy of the back of the check. The XXXX representative also gave me a XXXX   tranaction letter with the XXXX letterhead which shows that check was cashed by Chase Credit card services. I faxed all of the XXXX documents on XX/XX/19. I called Chase Bank XX/XX/19 to inform them of the letters which i faxed to them. I also explained to Chase Bank that the XXXX representative was unable to give me a copy of the back of the check. A Chase bank supervisor told me that they still need a copy of the back of the check to verify that the check was sent, and that they need to see the information on the back of the check. I became upset, i told why do i need to keep running back to XXXX, i told the Chase bank representative that someone from their company cashed my check because you can clearly see that it went through my credit union bank. I do not believe that Chase bank managers so not believe anything that i told them about the check chich i sent them. They dis not inform me about the documents which i faxed to them to verify that the check cleared my account. At this point i feel like if i was not an XXXX XXXX, they would not be giving me such difficulty. Someone from Chase bank cashed the check which i sent to them on XX/XX/19. I believe that they are doing any sort of investigation on their part. It is my belief that some sort of fraudlent activity is going on with Chase Credit Card service. I am asking you if you can please help me, i am very sad that all of this is going on. I do not feel like i am a valued customer and i have done everything that was asked of me by chase, however they still continue to believe that i dis not send a chexk to thwm last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: HI

Complaint narrative:
My name is XXXX XXXX. My sister XXXX XXXX and I co-purchased and co-own a home at XXXX XXXX XXXX in XXXX California. Our FHA mortgage was necessary because of my sister 's poor credit and being in collections on student loans. Our initial lender was XXXX XXXX who sold to XXXX XXXX. XXXX sold the loan to Selene Finance LP POB XXXX XXXX PA XXXX this spring. My sister set up the online access. On XX/XX/19 I called Selene requesting a pay off amount and learned my demographic information was not provided to Selene when XXXX XXXX set up the online account. Selene advised closing the online account and setting it up again with both of our contact information. When XXXX XXXX learned I contacted Selene she yelled at me that I did not have authority to call Selene. That day she transferred {$12000.00} from our joint account into her personal account and called Selene and told them I was bipolar and not to do anything I asked. The Selene representative I talked to named XXXX told me this when I talked to her on XX/XX/19. Since then Selene has refused to provide me any documents regarding the mortgage and has not answered two emails requesting information. I no longer have online access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA is holding me accountable for 2 accounts that belong to my parents. One account that was open on XX/XX/2013 for {$300.00} and XX/XX/2013 for  {$5000.00}. I was only XXXX at the time my parents open the accounts. My mom has called and complained about these accounts being on my credit reports. But USAA has done nothing to remove them. We filled a dispute, but the investigation with my XX/XX/XXXX report has been under investigation for 2 years and they still have not updated it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a credit card that was hacked. It had a balance of over {$5500.00} before the hack. Then it was hacked and they made charges to total the balance of over {$11000.00}. We tried resolving the issue with wells Fargo and they verbally communicated the transfers were made over in XXXX. We have never seen statements indicating this. They refuse to even send physical proof of their words. We have never left the country in the past 10 years. Wells Fargo refuses to credit the account back to original balance before the hack because they said the account was logged in and out from a credible account in XXXX. Wells Fargo froze the credit card and we are fine with that. We just want to go back to the original balance, pay that off and be done with wells Fargo.

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 2019-09-28 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: CA

Complaint narrative:
XXXX accts nos.XXXX and XXXX are accounts that I have reporting to EXPERIAN , XXXX AND XXXX . 
The accounts are closed.Both accounts have a balance that is less than the credit limit.All of the accounts have been intentionally misreported following each and every credit dispute with each of the BIG 3 bureaus as to whether or not they are open or closed or what the current balance was at the time of the dispute.I perceive this occurs because XXXX XXXX has no interest in adhering to the strict standards of accurate and complete credit reporting as required by the FAIR CREDIT REPORTING ACT. 
In each and every dispute, the disputes are answered to XXXX XXXX in an automated fashion as of the previous statement cut date ... and therefor the only 'guaranteed ' days of accurate credit reporting are on the statement cut date themselves.Each and every intentional misreporting of credit carries a {$1000.00} statutory penalty to be paid by the subscriber and co-operating bureau ( where negligence and intent can be proven ) .I may have to file suit to collect, yet this complaint this day is a record of notice to all three bureaus of XXXX XXXX   INTENTIONAL MISREPORTING AS A PATTERN AND PRACTICE.THE CORRECT REACTION OF ALL 3 BUREAUS IS TO NOT ALLOW THE REPORTING OF CREDIT BY XXXX XXXX UNTIL THEY WILL ABIDE BY ALL CREDIT REPORTING LAW. 
THIS OFFENSE COULD AND WILL BECOME A CLASS ACTION INITIATED BY ME.IT IS SUSPECTED THAT ANY DISPUTE BY ANY CUSTOMER OF CREDITONE WILL BE INTENTIONALLY VERIFIED AND MISREPORTED ... thousands or millions of XXXX customers are being harmed with the cooperation of the BIG3 credit bureaus as of today 's date.

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