vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/2020, I purchased a suit from a suit vendor named XXXX XXXX ' in XXXX , XXXX for {$780.00} USD. Since I was told that the suit would take 2 weeks to make, they would ship it to my home address in Minnesota and provide tracking on the shipping when it was sent out. I had purchased a suit at this shop with two other friends also from Minnesota. 

Weeks went by and we expected tracking to be sent to our emails that we had provided to the vendor. I and a friend ( XXXX XXXX ) reached out via email to the vendor ( XXXX, I have attached their 'business card ' -- try finding information about this place, they don't exist ) to understand where the tracking was. You will see the corresponding email chains in the attachments. More and more weeks went by without a response. I tried finding the location on XXXX maps, I tried finding the company via XXXX, I've looked almost everywhere to find information on this suit shop and it doesn't exist. 

Due to this, myself as well as my friends decided to issue a dispute via Chase as we believe we had been scammed. Chase acknowledged the dispute ( issued XX/XX/2020 ) and went to investigate the claim. 

I did not hear back from Chase regarding anything on the investigation until XX/XX/2020 when they said that the dispute was resolved and that they had taken the vendors side and re-issued the charge back onto my account. The reasoning was because the vendor said " the customer said they were going to pick up the item '' -- that information was provided to me after calling Chase customer support to get information on the explanation as to why the charge was re-billed. I can not pick up an item when I am in the United States while the vendor is in XXXX, plus the contract was for the vendor to ship to us and that was the reason why we provided our home addresses. 

Please look into this, I do not think Chase did a comprehensive investigation into this as they did not ask for any proof of emails from me or anything -- they took the vendor side without asking me for information. If they would spent 5 minutes XXXX, they would see that this vendor does NOT exist and they are scammers. 

In summary ; I have never received the product from the vendor, I disputed with Chase who after months came back and re-billed me for the original charge claiming that the vendor said we would pick up the product ( I can't pick up a product when I live in the USA and its in XXXX, the agreement was to ship it to my home after the suit was created and ready to ship. Chase never reached out to me for more information and I do not believe they researched this vendor properly ( as they don't exist online ). 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: NV

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: NV

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}

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 2020-05-04 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: AR

Complaint narrative:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}

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 2020-05-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX XXXXL XXXX {$2300.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Sallie Mae mistakenly reported a delinquency on my credit report when the owed amount was paid using their app. According to the app the payment was rejected when funds were available at the time. I have contacted the case manager and this person did not work with me. I have paid the amount, but wanted my credit corrected. She insisted that this was not their fault and needed to check with my bank. 

They do not report calls or let you know in any way that the payment was " missed '' or rejected which was what happened to me. - When they call they do so from unknown numbers and with the amount of scammers around I or anyone I know do not answer any type of calls from an " unknown '' number. The caller ID does not display a number it just shows " unknown '' The amount was paid, but now I have to dispute a negative mark on my credit report. 
the date I called Sallie Mae XX/XX/2020 - The date the payment was rejected XX/XX/2020 for the amount of {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I was refinancing my private student loan which was held by XXXX XXXX  with XXXX XXXX due to their lower interest rates. When I called XXXX XXXX with my cosigner ( dad ) they told me I had an additional {$41000.00} in debt from college and asked me if I wanted to include that to my refinance. I am a recent college graduate and was shocked by this number, but they confirmed the debt was mine and I agreed to include it in the refinance. In late XX/XX/2020, my sister who held a private student loan with XXXX   XXXX  called because her loan status showed that it was " paid in full ''. Here, XXXX XXXX without her consent and without my knowledge ( they assured me the {$41000.00} was mine ) wrongly included her debt and refinanced it into my name. None of the loan documents that I signed included her information anywhere. XXXX XXXX seemingly replaced her information with mine, and put it all under my name. Now, I owe an extra {$41000.00} and XXXX XXXX refuses to remedy the problems they caused. They blamed me and said I signed the loan documents, but again all of the loan documents only included my name and my co-signer 's name. Additionally, a loan company can not combine the loans of two people into one party 's name. And even IF this was a legal act, they would have needed the consent of my sister to take action on her debt. There was never a mention of my sister 's name anywhere, and nowhere for her to sign so her private and personal information was used wrongly and without consent by XXXX XXXX. When we called XXXX XXXX on XX/XX/2020, XXXX at XXXX XXXX refused to speak with us, he told us there was no information he could give me ( even though the loan is in my name ), he refused to transfer us to a manager or the accounting department. He blamed me and said I signed the documents, but of course I did -- they supplied me with information they assured me was true and correct, and only included my name and information. This needs to be resolved- student loan companies may not by law do what XXXX XXXX did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX I was notified by Bank of America via text that there was some unusual transactions on my bank account. When I looked at it i saw something wrong and I requested for BOA to stop transactions. After that they immediately contacted me, while we were discussing the incident there were several transactions trying to be conducted on my account. After looking at my account and having the discussion we realize that this has been going on for a while and I immediately file claim for my money. Which was an excessive amount of {$20000.00}. BOA did recognize that fraudulent activity had taken place and agreed to refund me my money within 30-90 days pending investigation. Four days later I get a letter in the mail stating my claim has been denied. After several attempts and applies i am getting no where. They sent me a letter to fill out and I did and sent it back. A few days later I receive a letter in the mail stating that my claim is still denied. I had nothing to do with this at all. I am a victim, BOA is suppose to protecting me and I want all of my money. BOA does not have the right to deny my claim with no explanation or justification other than " I should be watching my account ''. My account has never been associated with the third party apps in which my account was used for such as 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 monetary relief
Consumer complaint received 2020-05-04 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: TX

Complaint narrative:
ftc violations attached and listed that did not have room on the FTC report {$440.00} Open balance XXXX XXXX XXXX XXXX Original creditor ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: ERC
State: UT

Complaint narrative:
Enhanced Recovery Collection XXXX is reporting on my credit report in violation. I never got a notice for this debt. I just saw it on my credit report and I didnt't received my 30 day right to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Im having trouble opening an account due to being a victim of fraud. Someone I didnt know deposited and withdrew money and caused my account to close and I wasnt aware of the situation around last year, I talked to the bank and they said I have to clear it off my record. If you could please help me with cleaning my record to be able to open an account I would highly appreciate your support, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
Have been struggling to pay my mortgage for the last two months due to COVID-19. My wife is laid off and we are having trouble making ends meet. I called Quicken loans in XXXX and XXXX to discuss a deferment. I was told both times that the only thing available is a forbearance which doesn't help anything if the payments are due at the end of it. I and millions of other hard working Americans need relief during these trying times. Not a forbearance that just kicks the rock down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX  XXXX  XXXX {$2300.00} XXXX   XXXX  XXXX {$0.00}

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 2020-05-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$0.00}

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 2020-05-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a XXXX flight using Chase Ultimate Rewards points. The flight was cancelled due to COVID-19, and I should get a refund according to Department of Transportation Enforcement Notice ( https : //www.transportation.gov/briefing-room/us-department-transportation-issues-enforcement-notice-clarifying-air-carrier-refund  ). However, Chase refused to issue refunds, citing the airline policy, and ignored DoT ruling. In addition, Chase refused to start a dispute or chargeback on my behalf, stating it was a point transaction and there was no way to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TX

Complaint narrative:
ftc violations attached and listed that did not have room on the FTC report {$440.00} Open balance XXXX XXXX XXXX XXXX  Original creditor ftc violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TX

Complaint narrative:
ftc violations attached and listed that did not have room on the FTC report {$440.00} Open balance XXXX XXXX XXXX XXXX Original creditor ftc violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am not sure on the date. They continue to keep calling my mothers home and saying that I will go to jail or even get money taking out of my work check if I do not pay the bill. Portfolio Recovery Associates, LLC has called my work and inform my boss that they need to talk to me on a urgent matter. I am needing this to stop and want to know what else I can do for them to stop these type of calls. I went through a XXXX  divorce and this is a bill my ex-husband has did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
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 ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

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