vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Weeks ago, we applied for a XXXX XXXX XXXX XXXX. We have receive XXXX emails confirming that we have been issued Chase Freedom unlimited cards, urging us to open our XXXX XXXX account on line, and urging us to use those cards. The last two are impossible given that we have never received any XXXX XXXX XXXX cards. Instead, Chase sent us three XXXX XXXXXXXX XXXX XXXX, XXXX in my name and XXXX in my XXXX XXXX name. We - I and my XXXX  - tried to resolve this problem on the telephone without success despite hours wasted. One problem is that the Chase authomated systems universally require that you state your account number, which we have never been told. We filed a complaint with your agency.. 

Today, we received in the U.S. Mails XXXX new XXXX XXXX cards, with a new account number, XXXX in my name and XXXX in my XXXX XXXX name. Again, we spent hours on the telephone with no resolution. WE WERE TOLD THAT THE PRIVIOUS UNAUTHORIZED XXXX XXXX XXXX HAD BEEN CANCELLED, AUTOMATICALLY CAUSING CHASE TO SEND XXXX NEW UNAUTHOIZED CREDIT CARDS TO BE SENT. We were not assured that the cards we actually authorized would ever be sent. My wife having left in disgust after hours on hold and being disconnecged by Chase, Chase 's represenative stated that the second round of unordered cards " can not be cancelled except by XXXX XXXX, the primary cardholder, '' even though XXXX are in my name and XXXX never autorized the cards in the first place. Chase has its rules. XXXX I am told by XXXX that the more credit cards we have in our names, the lower our credit score. So, all these unauthorized cards have a negative impact on our credit score. Wasn't it XXXX XXXX that was sending people unauthorized debit and credit cards? Should I call the U.S. Attorney for the XXXX XXXX of Ohio?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX Credit Card ... someone called my phone claiming to be associated with the XXXX Credit Card Service ... they called from XXXX and advised me that a charge of over {$700.00} had appeared on my card and advised me to select 1 if this was not a correct charge to the card or select 2 if there wasn't a problem ... i selected 1, was transferred to a strange person 's voice ( sounded female ) and then when i started to discuss the reason for the call, the person hung up on me ... i checked my XXXX account and it does not appear that any such charge has transpired ... no idea if this is some type of phishing or some other scam ... just seemed wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I've been banking with XXXX Bank for about 4 years now. I've been a small business XXXX  for about 20 years and due to Covid-19 my business has suffered. I decided to apply for a PPP loan and was approved and funds deposited into my account on XX/XX/XXXX. The deposit was in the amount of {$14000.00}. On Tuesday, XX/XX/XXXX, I checked the balance of my account and discovered that XXXX Bank had put a hold on my deposit. I contacted the bank to ask what the problem was and was given a ridiculous excuse that because the funds was deposited into an account that was not a business account, I had to provide documentation that I'm entitled to the deposit. I provided the bank with a copy of my XXXX Schedule C-tax return, a copy of my EIN number that I had faxed from the IRS, and a notarized copy of the loan application and signed documents for the loan. I submitted the documents on XX/XX/XXXX at XXXX CST. I contacted the bank 3 different times today only to be stonewalled and told that my documents are being reviewed, my business has to be verified with the XXXX of XXXX, someone will give me a call back. Excuse after excuse is what I've been given. I reviewed the bank 's policy when it comes to ACH deposits and no where does it state that deposits can be withheld from the customer without proof of wrongdoing. My account right now shows a balance of XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
I wike up to my chime card balance being iverdrawn XXXX and my card completly wipped out even took my savings arond XXXX dollars and chime isnt doing anything ti help me with money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was denied the Home Depot Credit card even though I have excellent credit and long standing credit history. The decision on which Citi said they made the decision is incorrect. I've escalated this to their executive response unit multiple times over the last few months with no resolution. Given that this decision was made in error, I have asked them to remove the hard credit inquiry which they won't do and is leading to this complaint.

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 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The letter head is American Express this charge was supposedly opened in XXXXThey have been harassing with letters and even threatened to sue.This charge is not even mine. the amount is for {$6500.00} We have tried every time we received a notice to rectify. They keep sending settlement options this time is {$1600.00} my credit has tanked and can not even begin to repair it with this on my records. 
I spoke to XXXX  and they sent me to you stating this is a scam the address is American Express XXXX XXXX XXXX XXXX, DE XXXX phone XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back up and going, and they sent the money that was in my balance to PayPal correction I am not sure if this is some mistake as I assume it has to be I have not been able to get help from them for months but i remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently. My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have asked to provide signature for these accounts and inquiry that they say are mine.They have not gave me nothing and its been over thirty days

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 2021-05-12 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: IN

Complaint narrative:
I have disputed with Experian twice already regarding every single student loan/XXXX  account they have on my report. XXXX  has absolutely ZERO student loan accts on my report. I provided proof of such and requested that due to this discrepancy it needs deleted off my report-they refuse to. I also provided proof of reporting discrepancies with XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX as all of those are listed on my Experian report but either they're removed off my XXXX or the information has discrepancies-they still won't remove them. They're in violation of the law and the Credit Reporting Act and I need them to IMMEDIATELY remove all of those accounts for the erroneous information. I have provided proof of everything on my XXXX report to you all. I have provided this same information to Experian yet they are ignoring it and stating that these erroneous accounts are verified. I also requested signature PROOF of these accounts being verified and they have failed to provide me that via mail, also. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE IT'S CAUSING ME TO NOT HAVE GREAT CREDIT WHEN IN FACT I REALLY SHOULD.

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 2021-05-12 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
American Express won't resolve a dispute in my favor with XXXX  for a defective and stolen phone shipped to the United States. They wanted me to pay for a high return shipping XXXX {$67.00}! ) even though the phone isn't compatible with any major US carrier and results in a suspension of service. Charged {$410.00} on XX/XX/2021 dispute reference # XXXX. Complained to FTC and FCC complaints attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting incorrect information on my report. I have disputed in writing several times and it always comes back as verified accurate. 
This account is reporting XX/XX/2019 and XX/XX/2019 as both 30 days late. It also reports as a {$90.00} payment was made on XX/XX/ 2019. 
How can this be? 
This is in violation and must be removed per the FRCA.

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 2021-05-12 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: NC

Complaint narrative:
My credit report shows hard inquiries as follows that I have not consented to and should not appear on my credit reports. 

CREDITOR DATE OF INQUIRY CREDIT BUREAU XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 Experian XXXX XXXX XXXXXXXX XX/XX/2020 Experian XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2020 XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXX XX/XX/2020 Experian

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 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX residing in XXXX, Florida, disputing my credit files with all credit bureaus, I am very concerned because some of my information has been exposed to the dark web. I am sent information from XXXX and XXXX XXXX with a list from the dark web. My passwords are exposed and information that I can print out and fax or email to cfpb. I am disputing to all three bureaus, XXXX has not sent me results, my credit score has stayed the same since XXXX, my account number is XXXX my other scores are slowly improving. I am still waiting for my file, I have asked XXXX to mail me my report because I do not trust the report online. Please respond to me and mail me my updated and investigated file, I can again, print out the list of the dark web surveillance 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 2021-05-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX residing in XXXX, Florida, disputing my credit files with all credit bureaus, I am very concerned because some of my information has been exposed to the dark web. I am sent information from XXXX and XXXX XXXX with a list from the dark web. My passwords are exposed and information that I can print out and fax or email to cfpb. I am disputing to all three bureaus, XXXX has not sent me results, my credit score has stayed the same since XXXX, my account number is XXXX my other scores are slowly improving. I am still waiting for my file, I have asked XXXX to mail me my report because I do not trust the report online. Please respond to me and mail me my updated and investigated file, I can again, print out the list of the dark web surveillance report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
On XX/XX/XXXX, my house had a burst water pipe which caused a flood within the home. Due to this mishap, I was required to pay out-of-pocket to cover damaged expenses and repair expenses. This led to a difficulty to cover the upcoming XXXX mortgage payment. That same day, I called Freedom Mortgage XXXX FM XXXX and spoke to a representative from their Mitigation department. I described the scenario and ask if it was possible to have a deferral of XXXX 's payment. The woman authorized the deferral and told me that I would not be debited the XXXX mortgage payment. In XXXX, I received a notification from XXXX  stating that they had tried to debit my account twice but I had insufficient funds. I again called XXXX and spoke with another representative and explained the deferral, they then recommended that I begin a repayment plan for the missed XXXX payment. I started the repayment plan on XX/XX/XXXX and paid each month until the amount owed was payed off in XX/XX/XXXX. On XX/XX/XXXX, I received a credit report stating that I had multiple missed mortgage payments thus making me ineligible to receive another VA loan. I contacted XXXX  immediately and disputed the missed payments. They initiated an investigation into the matter but concluded that since I was entered into a repayment plan, not a deferment plan, the payments made were marked as late thus causing the missed payments on my credit report. I have brought the matter to their Escalation Department and made an official complaint, but they refuse to acknowledge the miscommunication and correct the matter. I am currently in the process of selling my house and retiring from XXXX XXXX military, I am now unable to buy a new home at my next location due to the negligence caused by 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 2021-05-12 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: NY

Complaint narrative:
I already reached out to EXPERIAN and to the creditor and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.

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 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good afternoon, I have tried submitting dispute requests via mail to XXXX/Transunion, however they are not responding back at all no matter how many dispute letters I mail out. I know that this is not the correct protocol and I will like my disputes handled today. I am requesting the deletion of these below negative items that does not below to me. 

XXXX  XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX  XXXX unknown account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1977

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 2021-05-12 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: OH

Complaint narrative:
I have asked to provide signature for these accounts and inquiry that they say are mine.They have not gave me nothing and its been over thirty days

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 2021-05-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have asked to provide signature for these accounts and inquiry that they say are mine.They have not gave me nothing and its been over thirty days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ou are in direct violation of several sections of 15 USC 1681. 

Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ).

Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( a ) In General - Subject to subsection ( c XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately. 

Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. 

I demand that you remove the following accounts : XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/2017 AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$62.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I already reached out to EQUIFAX and to the creditor and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.

Company response to consumer: Closed with explanation