vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Hi i was suppose to receive a XXXX $ bonus for setting up direct deposit and doing at least 3 consecutive monthly direct deposits of {$500.00} or more within 150 days of account opening, it was suppose to come within 45 day but I still haven't received it can you help me with this please? Thanks. 

It was an online offer here is the link - XXXX XXXX XXXXXXXX These were the terms Here 's how to qualify for your {$200.00} bonus : 1. Open an Everyday Checking account online ( from this webpage only ) by XX/XX/2018. 

2. Make a minimum opening deposit of {$25.00} to fund your account.

3. Set up Direct Deposit and receive at least 3 consecutive monthly direct deposits of {$500.00} into your new account within 150 days. 

We will deposit the {$200.00} checking bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met.

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 2018-12-08 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: GA

Complaint narrative:
Credit bureaus refuses to send me the requested documentations they are using to verify accounts with questioned accounts. according to fcra 611 ( a ) the credit bureaus were required to forward me all the relevant information provided from the creditor for their investigation of my dispute.

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 2018-12-08 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: GA

Complaint narrative:
Credit bureaus refuses to send me the requested documentations they are using to verify accounts with questioned accounts. according to fcra 611 ( a ) the credit bureaus were required to forward me all the relevant information provided from the creditor for their investigation of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed by a company that was posing as a financial Institution. This company in which I found later that they was not actually XXXX XXXX. This company was able to get into Chase 's system and I was not notified as data breach ( 1 ) the so called financial institution was able to go into my account and make it seems like there was reversals to make a credit a couple of times on XX/XX/2018. I walked into Chase Bank in XXXX XXXX on XXXX and XXXX and told them what was happening and sat down with a banker and as I was sitting with him the scammers called and I put it on loud speaker so the banker can here. The Banker did nothing nor did he called the fraud department or the authorities ( 2 ) leaving my account vulnerable. Went to Nevada and spoke with another banker at Chase on XXXX  and XXXX, she went through my account and said it will be a lot of work and told me that I will have to make a appointment ( 3 ) Went to another bank where the banker opened me another account but did not close the other. Chase finally restricted my account and will close both in 10 days leaving me still vulnerable. As a consumer I was not protected by this financial Institution ( Chase ) They had a data breach and did not let there consumers know ( against law ) and I am being punished by their mishap They left me out there to be hacked, my account and personal information. After receiving threatening text and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: FL

Complaint narrative:
XXXX  am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 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 2018-12-08 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: FL

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX for months. Credit Bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I recently moved to a new address in the summer 2018, after applying a new credit card at Chase, they just closed all my wife 's and my credit card accounts with them. My wife and both have excellent payment history with Chase and other financial institutions, and my FICO score is always around XXXX. We never missed a payment and use our cards as normal everyday use. So we totally don't understand how they make this decision. 

Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX  is refusing to remove a debt that is past the statute of limits. They briefly removed it then quickly put it back on. I filed a complaint via mail with evidence from the collection company themselves and XXXX  just responded they were satisfied with the inquiry and the information was staying on, even though the collection company 's own documents are saying it's past statue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to experian to remove a collection from my account on multiple occasions. They are still reporting inaccurate information. I have provided a XXXX  number and I have also provided court records, they still refuse the remove the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Per FCRA experian must : modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ) I have  provided court documentation twice, along with XXXX case number, but Experian still report this on my credit and they are in direct violation of FCRA.

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 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed for a dispute clam in XX/XX/XXXX for an item that I bought online form XXXX XXXX that was {$1900.00} but when I bought the item I never received the item at my doorsteps when I called the merchant that I bought the item from they told me I need to contact my bank and talk with them so I did call chase bank try to get my money back from them and the customer representative told me not to worry about it so I said OK within 12 to 24 hours they temporary credit my account back so couple months go bye in XX/XX/XXXX I Filed a clam for XXXX that my Chase debit card has been used without my permission so I called the bank and tell them what happened that there was a fraudulent charge on my debit card and I would like the charge to be taken off so I talk to one of the customer  representative and told me not worry about it you will be getting the temporary credit within 12 to 24 hours I said OK. what then a couple of days I try to log into my Chase banking on line I got a message that your account is restricted so I call chase the one XXXX I asked the customer representative what is going on with my account they said there has been fraudulent on your account and youre no longer able to bank with Chase forever in life and they said they will be mailing my funds to me in a cashiers check

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: SD

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX denied me housing for the following reasons * Unable to verify income - I sent my XXXX statements along with a spreadsheet breaking down payments * Garnishment, attachment, foreclosure, reposession, collection action or judgement - I had none of these that I was aware of and was not given an opportunity to explain anything on my report. I did end up having a collection which is due to a California Bank failing to apply GAP insurance payments for a car that was " totaled '' to my loan. I am filing a separate complaint on the bank.

* Delinquent prior or current credit obligations with others - This is false, I had a clean credit report and the bank where I financed my vehicle actually lowered my rate from over 20 % to around 15 % due to a clean credit report.

* Unfavorable payment history with another apartment community.

- This is false. I terminated a lease early with the property owners permission due to getting shot at by drug dealers who were selling drugs across the street.

* Prior eviction proceedings.

- This is false, I have never undergone eviction proceedings that I am aware of.

I also called TransUnion XXXX XXXX who provided the rental application and they verified that there were no evictions on my credit 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 2018-12-08 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: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
I have conta

cted Jared on multiple occasions in order to get this erroneous entry removed from my credit report. I have disputed this item various times and I have reached out to Jared 's various times, but the item still remain on my credit file to this day. I have tried to settle this account over the phone and in writing several times directly with Jared 's. I even reached out to the collection agency to dispute, they could not provide proof so they removed the entry from my credit report and referred me back to Jared 's. When I call Jared 's I am told that they can not find the account. ( see attachment ) per FCRA Section 623 ( a ) ( 1 ) ( C ) this account is inaccurate and should be removed. Jared 's is in violation of the following polices : Re aging of debt - prevent r
e-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; - The amounts, and the dates are incorrect. I have asked for verification/validation per FCRA guidelines, over the phone and per email. Each time Jared 's never provided the information, which is in direct violation of FCRA. By law Jared has 30 days to provide this information, or it is to be removed from my credit file. 

Account - XXXX Date opened - XX/XX/XXXX Balance updated - XX/XX/XXXX Credit limit - {$310.00} But it shows a payment was received in XXXX of XXXX. All of this information is not correct. 

I reached out to XXXX XXXX about this situation and it was supposed to be handled, he never got back to me ( see attached email ) Jared 's must furnish only the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) No dispute status - Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ) -  No dispute was raised with any CRA when I disputed these items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA Lawyer - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When Congress passes laws about a lot of issues - Jobs - Healthcare - Guns - to quickly state 3 examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with ADA - ACA - FOPA & a very large number of other laws! 

Please help the employees of your company understand these concepts!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a hard inquiry on my report from Capital One. I have never applied for a credit card with this company, and need it taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: CA

Complaint narrative:
I have a hard inquiry on my report from XXXX. I have never applied for credit from this company and I need this removed from my report immediately.

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 2018-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
CFPB, " Rent Recovery Solutions '' is refusing to comply with the law. They have YET to supply me with proof that I owe them money and keep sending me documents that do not have my actual signature on it from ANOTHER COMPANY. Then, the only recent response from them was " The signatures on the contract are electronic and our client holds that they are valid. '' That is literally all that was sent to me in my previous complaint REQUESTING A CONTRACT BETWEEN ME AND " Rent Recovery Solutions ''. Please tell me how in the world this addresses the issue. It doesn't. ACCORDING TO THE FCRA & FDCPA, THIS IS NOT SUFFICIENT OR VALID. A contract between me and " Rent Recovery Solutions '' must be supplied to me, and if it is not, then they MUST DELETE this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: NY

Complaint narrative:
I DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA Lawyer - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When Congress passes laws about a lot of issues - Jobs - Healthcare - Guns - to quickly state 3 examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with ADA - ACA - FOPA & a very large number of other laws! 

Please help the employees of your company understand these concepts!

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 2018-12-08 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: NY

Complaint narrative:
I DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA XXXX - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When XXXX passes laws about a lot of issues - XXXX - XXXX - XXXX - to quickly state XXXX examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with XXXX - XXXX  - XXXX & a very large number of other laws! 

Please help the employees of your company understand these concepts!

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 2018-12-08 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
The account is from Fair Collections & Outsourcing. Account number is XXXX. The debt is from XX/XX/2014. Collection amount is {$1900.00} I have disputed this account several times and spoken to several people about the matter. It comes back that it can not be taken off of my credit every time. There are several supposed damages to this apartment building that I had nothing to do with. The charges on the report are excessive. I have asked for any type of evidence to prove that I did any of this and was told I would recieve photos only to find out that was a lie. The lady that was my landlord at the time ( XXXX XXXX ) did not like me and was very mean. I have called the apartment complex ( XXXX XXXX XXXX, AR ) and the new office lady told me she has had several calls about the previous management. They offered to settle with me for {$1000.00}, ( which I said I would not pay because I did no damage to the building ) then after I disputed the account they went back to the original debt. I have tried everything. I tried to go back to the apartment to clean it while I had 2 days left on the lease and she took my keys and kicked me off the property and lied about everything. I am a very responsible person and would never damage someone elses property. I would like this issue to be looked into further. As I have no evidence, only my word. Thank you. 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 2018-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
keep calling with the same explanation wont answer my phone

Company response to consumer: Closed with non-monetary relief