vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-20 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: FL

Complaint narrative:
On the evening of XX/XX/XXXX around the XXXX hour the fire alarms sounded at XXXX XXXX XXXX in XXXX XXXX, Florida. I then went to the XX/XX/XXXX located at XXXX XXXX XXXX XXXX , XXXX, FL, XXXX. This was the last location I had my wallet. I successfully purchased the items I sought to buy that evening and thus had my wallet in my possession on XX/XX/XXXX. The following morning, XX/XX/XXXX, following my daily reconciliation of my bank account I received a text from Chase Bank stating that potential fraudulent transactions were processed on my account and instructed me to call them to verify these transactions. At this point I was driven to attempt to locate my wallet. When I was unable to find my wallet I logged into several other accounts which could have been effected from the cards that were potentially in my wallet when it went missing. I noticed that charges were also consecutively being charged on several other accounts. I then reported the fraud to Chase, and requested a new card and a stop be placed on my current debit card. Following the investigation performed by Chase Bank I was informed that they had deemed these charges to be correctly authorized and would thus proceed to remove the amount of the transactions, subsequently credited back to my account when the fraud was reported. I am certain that no pin number was utilized for these transactions. Chase stated the transactions were made at " chip enabled '' locations however can not confirm that a pin number and a chip were used to make these purchases. My wallet was never recovered however all cards were deactivated, fraud claims processed by the other banking institutions and new cards were issued. The two charges that are being refused for fraudulent activity by Chase Bank are as follows ; ( 1 )  XXXX XXXX - Store # XXXX for {$420.00} ( 2 ) XXXX - Store # XXXX for {$110.00} ( XXXX XXXX XXXX XXXX Space # XXXX, XXXX, FL, XXXX ) Total fraudulent charges on Chase debit card amounted to {$530.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: TX

Complaint narrative:
bayarea put a neg statement to the cr bur, previous creditor XXXX never had a notice to cr bur i owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
Between XXXX XXXX and XXXX a collection account was reported to all three credit bureau s in the amount of XXXX by advanced bureau of collections who stated that the debt orginated from XXXX XXXX XXXX the amount listed is false and has been paid i never received any notices of the debt so that i had a chance to exercise my rights granted under fcra i asked the company over the phone to provide orginal documents from the company of which i never received because the debt does not exist nor do i have any signed contract with this company so they have no rights fcra to collect on this alleged debt another debt for the amount of XXXX dollars is also being listed by this company ADvanced bureau of collections i am not under contract with this company listing any debt is a violation of my FCRA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Company : Citizen 's Bank Date : XX/XX/XXXX Incident : Citizen 's Bank closed my checking account on XX/XX/XXXX of 2019. The closure of this account left me unable to pay my bills, and even resulted in XXXX of my personal loans going into collections. They did not give me a reason for the account closure other than a personal deposit agreement that was mailed to me. Citizen 's Bank claims that I signed this agreement, but has not provided any documentation of my signature to verify this information. 

According to the Citizen 's Bank Personal Deposit Account Agreement : " We may close an account at any time, without prior notice, such as where we, in our sole discretion, note any unusual or excessive patterns or activities including, without limitation, the use of the account in an illicit, exploitative, or abusive manner. '' I did not take part in unusual or excessive patterns of behavior. I did not use my account in an illicit, exploitative, or abusive manner. All of the representatives that knew me at Citizen 's Bank knew that I would regularly deposit cash and wire money to buy cryptocurrency, such as XXXX for personal investment. I used my account to do this from late 2018 until the closure of my account. Citizen 's Bank sent me a letter that my account was suspended during a period of when I was on vacation and unable to reply to them. 

Citizen 's Bank also claims that they made attempts to call me, but they have not shown any evidence that they tried to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: Bull City Financial Solutions, Inc
State: NY

Complaint narrative:
I logged onto my credit monitoring site and there are a few fraudulent accounts that's on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Common Wealth Financial System, recently sent a letter AFTER placing these derogatory items on my credit report. The notice is Dated XX/XX/2019, I received XX/XX/2019, and the data was placed on my credit prior to notifying me of my right to dispute. 
Actually it was noted as XX/XX/2019. 
Per FCRA you should notify the consumer, this company violated the FCRA and has damaged my credit. 

Please review the attachment for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: MI

Complaint narrative:
This debt appeared on my credit report and i contacted the company regarding this debt and provided the account number listed but to no avail my issue was not resolved. i was not provided proof of the contract I signed or if this debt is even my debt. I disputed this claim solely on the basis that i have no knowledge of this account and the company will not provide the neccesary proof that this is my debt. The debt is for {$2600.00} and {$850.00} and I have been damaged by this matter from not being able to access credit from other organizations.

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 2019-10-20 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: Professional Adjustment Corp. of S.W. FL., Inc.
State: NY

Complaint narrative:
I logged onto my credit monitoring site and there are a few fraudulent accounts that's on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC
State: KY

Complaint narrative:
On XX/XX/XXXX I made a purchase at XXXX 's XXXXXXXX XXXX in XXXX, KY. I used XXXX XXXX 90 day same as cash to make this purchase of {$300.00}. On XX/XX/XXXX I received notice that my loan was sold to Monterey Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I paid them the total amount of the same as cash loan, {$300.00} via XXXX XXXX on XX/XX/XXXX. At that time I went back to the on line account with Monterey and found that my account of paid and thus closed. Yesterday I received a call that I was past due on my payment of {$62.00} and my account was back open. This was a 90 day same as cash loan. It was paid off in just 2 weeks and this company is now trying to get more money out of me. This is wrong and has to stop. It is beginning look like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
In XXXX of 2018 I received a collection letter from Credit Collections USA claiming I owned {$80.00} to a XXXX XXXX SPC. I immediately responded by certified mail and informed them that this debt was not mine and requested validation. See Attached. Finally, in XXXX they responded with copies of a bill which had NONE of my correct personal info on it. They violated FCRA by not responding in a timely manner and failed to validate anything. On XX/XX/XXXX, I sent them a certified letter informing them they did not validate anything and that the debt as stated is not mine. I also reminded them taking 6 months to respond is WAY outside the normal time frame. I told them I consider this matter closed and that I do not know who this debt belongs to but it is not mine. I warned them further collection attempts or any derogatory information placed on my file would result in this complaint being filed. They put this debt, which is not mine on my credit bureaus causing my score to drop over 50 points. As a result an auto loan I recently obtained I was forced into a higher interest rate because of negative marks on my credit. This has created substantial injury to me and monetary damage to me. I intend to file a lawsuit against them and would like them sanctioned for violating FCRA. They should NOT be allowed to be in the business of collecting any debts.

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 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I opened Platinum card from American Express exclusively for XXXX XXXX on XXXX. To open the charge card, one needs to have a valid brokerage account with XXXX XXXX. I submitted the application, called customer service to provide my account number, and then got approved. After meeting the spending requirements, I got the bonus points. 
Then early XXXX, I received a message saying that Amex would close my account because I no longer had an eligible XXXX XXXX account. It just doesn't make sense. I opened the charge card without any problem, but a few month later I was told I was no longer eligible to keep the charge card. And what's more, after my charge card was closed, my bonus points was removed from my reward program. They mentioned in the email that 'We recently noticed point accrual or redemption activity on your Membership Rewards program account that indicates an effort to obtain or use points in a manner that is not appropriate '. 
From my perspective, I didn't do anything wrong. My application was approved by Amex, I met the spending requirements for the bonus points, and redeemed the points in the way Amex provided. But my account was closed and bonus points were taken away. I do see some examples where bonus points are taken away because they close the account within one year of opening. But in my case, I do not close the card, it was Amex who closed the card. When I opened the account, I was eligible for the card and bonus points, but if later they changed the rule so that I was no longer eligible for the card, at least I should be able to keep the points I earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$19000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: OK

Complaint narrative:
I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical. I never received any information about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account Name XXXX date:XX/XX/2018 Collection account. {$1400.00} This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau XXXX  and transunion. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from XXXX  be cause by information was compromised they are completely aware of this.

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 2019-10-20 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 XXXX XXXX Account Name XXXX XXXX Collection account. {$1400.00} This was already resolved/resolved by XXXX  but is still reporting to the other two credit bureau experian and XXXX This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from experian be cause by information was compromised they are completely aware of this.

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 2019-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I had an open loan on a XXXX impala, with brought price at XXXX miles, i have paid on this car for a year since XX/XX/XXXX, my loan was finance through MEI finance and purchase at the lot XXXX XXXX, i have tried to reach some kind of agreement with the car and speaking to numerous of supervisors with in the finance company, all i every got was they will give me a a call back, some reason when i first called about this problem my conversation with the people i spoke with wasnt in the system, they claim they didnt have any records of that, my car has been running bad since i purchased it from getting a wheel alignment, brakes, and rotors all that they claim they fix even the body shop when i first purchase the car, they said that the dealer didnt write a slip for the muffle, when i spoke with XXXX XXXX the first time they told me they didnt have a muffle shop, so basically they kept giving me the run around between each other, ask for my files and my payment history never missed a payment, they wouldnt even consider letting they so called shop service department look at my car told me that it will be XXXX weeks before they can get to it, nobody never called back to do a follow up on me, been that i was a active paying customer then they had an 17.8 % interest rate on me when i took the car into a XXXX dealership they told me that the car was only appraised for {$1500.00} - XXXX, i have decided to give the car back i can not afford to fix a car and pay a payment, i explain that to them they told me because the car is broke and at they shop and i needed the funds to get XXXX that doesnt means it put my car note on hold they didnt try to offer me no kind of comprehensive or nothing, they told me they can only give me an 7 day ext why i try to fix the car myself under my own terms, they didnt do nothing that they withhold with this warranty due to the muffle it failed emission test i couldn't even get the car inspected as of today still waiting on someone to called me back and its been over XXXX hours, i have also file an complaint with the better business bureau after doing my research running across a couple of people that have had business with them they all said the same they treat all they customers like that, i will like this loan dismissed and we some kind of way reach agreement that i have successful gave them they money back that the car was worth, XXXX a month

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
falsely reporting on an account that is unverifiable the debt listed was i have no knowledge of and or was written off as loss and paid by the original creditor and then resold to a collection company whom i have no contract with nor have i ever had a contract with resulting in a direct violation of rights granted under fcra XXXX XXXX, XXXX XXXX XXXX FED 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 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2019, I applied for Chase Freedom Unlimited Credit card. For the first time, chase hard pull my credit reports which are XXXX and XXXX   and I got reject. So I called Chase customer service to reconsider my application the next day. The second time, I got approve but Chase hard pull my credit report which is XXXX again without my permission. I can understand if Chase checks my credit report for the first time because when I applied for a Chase credit card on the Chase website I agree Chase 's agreement which means I permit Chase to check my credit report. But when I called Chase customer service to reconsider my application on the next day, Chase didn't ask my permission but checked my credit report. Even if this is the same credit card application but chase already checked my credit card one time and the second time they didn't ask my permission but check my credit report. I should have the right to know if Chase checks my credit report. When I called Chase customer service to reconsider my application they didn't ask me they are going to check my credit report for the reconsider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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