vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
I opened a personal Chase Credit Card account ( last 4 digits XXXX ) in  XX/XX/XXXX ( see exhibit A ). I used this account and then closed the account in XX/XX/XXXX. Image of card is shown in Exhibit B. 

During the time this account was open, I made a transaction with XXXX XXXX XXXX on XX/XX/XXXX ( see exhibit C & D ) for {$240.00}. A copy of my account statement showing this charge is shown in exhibit E on the 3rd page E3. The event that I purchased for {$240.00} was subsequently canceled in XX/XX/XXXX ( see exhibit F ). I contacted the merchant, XXXX XXXX XXXX and was informed that they sent a credit to the credit card account the event was originally purchased ( last 4 digits XXXX ) on XX/XX/XXXX, after the account was closed. Please see exhibit G attached showing the receipt from the merchant, XXXX XXXX XXXX for the {$240.00} credit. 

Upon calling Chase Card Services XX/XX/XXXX, I learned that my account ( last 4 digits XXXX ) had been purged by Chase from your system. Since, the account has been purged there was no way for the Chase representatives to look into my account and find out what happened to the credit that was sent to me from XXXX XXXX XXXX. 

I am owed the credit that XXXX XXXX XXXX sent to Chase on my behalf on XX/XX/XXXX for {$240.00}. 

I have contacted Chase numerous times but nobody can access this account since they claim it was purged from their system. I was promised by XXXX in Chase Email Servicing that the matter would be investigated and they would contact me within 14 business days. It has now been 22 business days, and when I contacted them again, they have no response, and no record of any investigation, it is as if I am starting over with them. 

XXXX XXXX XXXX, whom I have also contacted numerous times, thinks the refund was processed XX/XX/XXXX as referenced above, but Chase has no record of receiving this refund as they can't access this " purged '' account. 

I need Chase to either to find the refund of {$240.00} and send it to me, or send me and XXXX  a letter that they have not received the refund so XXXX can issue a new refund direcly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Hello, On XX/XX/XXXX my car was repossessed despite my payment arrangement or not receiving a default letter. After repossession I processed a payment for all of my past due balance being told that was what i would need to do in order to reinstate my loan and receive my vehicle.Still after payment there was no redemption paperwork given to me.They requested bank statements for my payment in the middle of an pandemic where all banks are closed.They have requested i go to a bank despite informing them of my COVID diagnosis before repossession even occurred projecting that i put others at risk for there undocumented request.I have asked for documentation showing where i agreed to pay them in only the form of XXXX XXXX  when my loan defaults and they have failed to provide the information.My car has been relocated 1 hour from my location and scheduled to be sold despite me reinstating my loan.They are using bully tactics and preying on people trying get there vehicle.On top of there fees i will have to pay around XXXX dollars to receive my car from the tow lot despite the {$170.00} i wouldve had to pay the day i brought my account current with a CLEARED payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$7100.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$3900.00}

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 2020-08-05 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$7100.00} XXXX XXXX XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$3900.00}

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 2020-08-05 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 continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things 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 XXXXXXXX {$110.00} XXXX   XXXX {$100.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX   XXXX {$220.00} XXXX  XXXX {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA closed my account on the week Of payday. But they did put my account back in normal status then put it back in credits only status. I received a call from XXXX in the office of the president at USAA telling me they she would expedite my money to me this week. She asked me if I would be willing to pay the negative balance. I told her I was already going to do that when I got paid. But they but my account back in credit status and refused to let me transfer to take care of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: OH

Complaint narrative:
I am filing a complaint due to some unknown account appearing on my credit report I sent out a FTC complaint and CFPB complaint as well .Be advised I am disputing validation and proof of claim of the disputed debt is requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC . 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # 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 2020-08-05 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I am filing a complaint due to some unknown account appearing on my credit report I sent out a FTC complaint and CFPB complaint as well .Be advised I am disputing validation and proof of claim of the disputed debt is requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC . 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am paying additional principal each month on my mortgage w/ Wells Fargo Home Mortgage and have been for years. Now that COVID is happening they are not applying my additional principal towards my mortgage as I have requested each month, paying over XXXX additional, and they are just putting it in an unapplied funds limbo. They will not fix it and will not call me back. They removed the option online as well to pay additional principal so each month you have to call in the payment. They have hung up on me when I have called and have been no help or the phone goes dead and no one calls me back. I have been treated very rudely also and I need help. I pay my bills on time and this is terrible business. Something sketchy seems to be going on and I'm frustrated trying to get my principal down and the company is doing this to me. Please help!

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 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was unable to transfer money from my PNC account to XXXX, why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I paid my American Express corporate card bill thinking it was necessary. Then, the company I worked for paid the same bill. Therefore, I have a balance of {$55.00}. The American Express card has since been cancelled but the balance is still there and tied to my name. 

I am unable to receive a refund and American Express customer service keeps referring me to a non-existent person  email address. 

I have already filed a complaint with the XXXX XXXX XXXX and my bank. 

I believe that American Express is engaging in fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 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:
XXXX XXXX, has reported an incorrect account that is a result of identity theft on my credit report. XXXX to place the unauthorized account on my credit report as open in my legal name. XXXX and XXXX claim they did an investigation and received a signed contract from with my signature on it. This is not true and false information on my credit report. I have attached a police report from the original accounts opened without my consent. XXXX  refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the 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 explanation
Consumer complaint received 2020-08-05 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:
XXXX XXXX, has reported an incorrect account that is a result of identity theft on my credit report. XXXX to place the unauthorized account on my credit report as open in my legal name. XXXX and EXPERIAN claim they did an investigation and received a signed contract from with my signature on it. This is not true and false information on my credit report. I have attached a police report from the original accounts opened without my consent. Experian refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the 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 explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
On XXXX XXXX I switched carrier from XXXX to XXXX XXXX XXXX I called to let XXXX know, and that I would wait for the final bill, when I received the final bill I did not agree with the balance so I went to a XXXX  authorize store to call into customer service to confirm who I was so I could speak with an agent to find out what my correct final balance on my account I was told in the store on the phone {$370.00} which included equipment charged so before I could pay I received another bill I call in on XX/XX/XXXXpaid XXXX than on XX/XX/XXXX I paid {$120.00} which should have been the final payment end bill. I received another statementXX/XX/XXXXcalled XXXX was told Ms. XXXX you don't owe us anything I will make sure you don't receive anymore bills that went on until XX/XX/XXXX so I went back to the XXXX authorize store spent 2 hours in that store back and forth on the phone with every statement that had with me we called Receivables Performance Management LLC and they sent me to back to XXXX customer service this went on for 2 hours no one would help me finally the agent in the store ask me for all my statements and looked at them he said Ms. XXXX I apologize that it took this long for someone to take the time to explain what is going on with your bill who ever that agent was met that one month of equipment charges where included in your final bill not that it was the remaining amount of the equipment charges which was the {$290.00}, I paid on XX/XX/XXXX {$290.00} which it took 7 months for some one to help me with this in stand of telling me every month when I called you don't owe us anything I will have it taken care of, now I need it removed from my credit or it will threaten the option of home ownership for me, please I need help getting this removed to help my credit score go up. Sincerely 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 2020-08-05 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-05 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 continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things 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. XXXXXXXX XXXX XXXXXXXX {$110.00} XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$5100.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXXXXXX {$210.00}

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 2020-08-05 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 continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things 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. XXXXXXXX XXXX XXXXXXXX {$110.00} XXXX XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$5100.00} XXXX XXXX XXXX {$220.00} XXXX XXXXXXXX {$210.00}

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