vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XXXX/XXXX/14 my son bought a car financed thru chase bank.On or aboutXX/XX/XXXX14 I got a XXXX alert that a XXXX car loan was put on my credit report.I t was thru chase bank.I notified them that I did not sign for a car loan or ever saw a contract for car loan.Never knew of a car loan, until after contract was signed.Chase bank fraudulently kept me on a car loan for a year and XXXX and made money on a loan I never signed for.They sent me letter stating I would be responsible for the loan if it defaulted.They have broken banking laws that protect consumers from this.The contract was a sham and fraud from the beginning.Chase bank did not verify who signed the loan document or had it notarized at all.This amounts to fraud and keeping someone on a loan who never saw it for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Chase Bank is just not doing right to their customer knowing that is difficult to control their money, if purchases are made with debit card when you look a the account will show that transaction was deducted then 2days later they transaction appear on a different day and an insufficient funds fee when it was process there was enough money to cover the transaction and balance was provided. 2nd issue if check are process in the same day or night before their deposit from employer they overdraw the account and change all this fee 's when the deposit comes in. 3rd issue if they receive XXXX or more checks they put the bigger one first to over drawn the account and charge more non sufficient funds fees so we never could keep account balance and you ca n't talk to one single representative that will even take the time to understand they will either tell you if you do n't have the protection plan they will cover and charge but they still returns the check when ever they want so its deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed chapter XXXX bankruptcy case on XXXX/XXXX/XXXX, a second on my house in the amount of {$50000.00} through JP Morgan Chase with the open date of XXXX, this was included In the BK and the house was surrendered back to XXXX the bank that held the lean. 
Chase failed to respond in time to my attorney to be included in my BK and then was denied by the courts when trying to file late. 
In XXXX Chase tried to refile with the XXXX county courts and my attorneys using a made up account # with the same open date of XXXX for {$50000.00} and again they were denied. 
So now I have XXXX loans on my credit report. 
My BK was discharged XXXX and Chase is reporting to the credit burrows on both the original loan and the fraudulent loan. 
I 've called Chase four times and the credit department can see whats going on but have still failed to fix the problem.. 
They did change the status of the fraudulent loan from open account with {$50000.00} line of credit to Collection with a XXXX balance as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing a complaint for a credit card that I never received and was never sent any statements for. Until I called I did not know the credit card was for XXXX. ( Chase card # XXXX ). When I called and talked to Chase they informed me the charges was {$30.00} a month for a XXXX card which I never received nor used. They do not state anywhe3re when applying for the card of a monthly {$30.00} fee and the fee is nothing. If the card was used to make a purchase I could understand, but {$30.00} a month to have the card is just plain robbery by Amazon. I would like to have it removed if it can, if not then something to show payments were never late since I never received any statements or a credit card from them. For the record after talking to them I paid the card off and closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am objecting in general to the forced arbitration clause in all my credit card contracts. I would like CFPB to prohibit such clauses in all financial contracts. I support XXXX XXXX in its opposition to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We applyed for home mortgage about 2.5 months a go with Chase mortgage. We had meeting and we thought every thing is good to go, got better rate and closing cost was discussed and at the end we end up homeless for about 12 days and still do not know when will be closing for my house even paying higher rate or more closing cost. Was all just talk.We are chase customer for about 25 years but never though of such a bad service from Chase. So may phone calls to so many supervisers are usless.need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I spoke with legal advisory person and sent to the bureau the issue, the original account was opened more than seven years ago and still showing in my credit report. It was sent a letter to the XXXX credit bureau and requested delete those accounts, unfortunately still showing in credit. Respectfully I request your help. 
Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE CHARGED OFF THE ACCOUNT THAT WAS PAID AS AGREED ( BY MY EX SPOUSE ) WITH NO LATES ... .IT IS DAMAGING TO MY CREDIT REPORT AND IT IS STILL REPORTING A BALANCE DUE ... THIS IS NOT MY LIABILITY IN FIRST PLACE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Chase card : XXXX {$4000.00} on XXXX/XXXX/2016, XXXX XXXX XXXX charges {$2200.00} on XXXX/XXXX/2016, {$1300.00} on XXXX/XXXX/2016 and {$2700.00} on XXXX/XXXX/2016, XXXX XXXX {$4000.00} on XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from XXXX and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to Equifax. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against Equifax , XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I put in a dispute, on XXXX/XXXX/2015 it was updated and no changes were made, I called the CRA ( Equifax ) and was told, that the government agency ( Social Security ) vouched that the debt was correct, even though I had sent them a notice and proof of payments to show it was not. ( I am unable to contact the department who reports to the CRA for Social Security, and I have even mailed them directly, they are a subcontractor of the Social Security Administration, and their address according to the postal service is not valid ) The CRA resubmitted the dispute to the government agency a second time on XXXX/XXXX/2015 and my second request has expired rather than the CRA notifying me, and the item has not been removed from the my credit report, further penalizing me for a debt that amount that is inaccurate. Since this time an Administrative Law Judge for Social Security has reviewed my case at the request of my federal representative and the balance of {$31000.00} has been reduced to {$6900.00}, I also uploaded a PDF of the judgement from Social Security with a new account number, my previous debt account is now being used for a dependent debt and is not collectible on my credit report, and yet the balance and account numbers are still showing on my credit report incorrectly, and the information has not been changed on my credit report, nor updated by the CRA, or Social Security, who only seem to report changes one time per year .... and it is now XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2016, EQUIFAX confirmed in writing that an XXXX account I have disputed for some time was FINALLY deleted from my file as it belongs to my ex-wife. When I checked my EQUIFAX report XXXX XXXX, 2016, it had been re-inserted. This is a clear violation of Federal Consumer Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
In XXXX of 2016 My wife and I went to a car dealership to test drive a XXXX XXXX pick up truck. After driving the truck we went into see if we could get financing. We looked for financing through the dealership. They pulled XXXX hard inquires on our credit. We were told that it would n't hurt our credit and that there would only be XXXX hard inquire. They also pulled credit on my wife as well. Now all of those inquires are showing up on her credit too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide documents that their company has on file to verify the accounts that I have disputed. Being that they have gone past the 30 day mark, and have not been verified these accounts, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive contacted equifax numerous times in regards to incorrect information on my credit report. I was told I could not re-dispute information that has been previously disputed. I have XXXX items on my report that were the cause of someone opening accounts under my name. I have reported this to the proper authorities and equifax will not accept I contacted law enforcement in regards to this. Equifax keeps updating my report with incorrect information which is affecting my credit score. I have sent letters/phone calls/copies of proof and am getting nowhere. I 've submitted a complaint on equifax already. I am fustrated at the the fact I supply proper proof and they still will not correct and remove this negative information. I also have XXXX credit cards that are held with commenity bank. I was told from equifax I need to contact commenity bank myself to clear the issue. I contacted commenity bank and received XXXX seperate letters for each of my accounts. ( XXXX XXXX ). I supplied the letters to equifax to show proof that they are requesting to update my report as these accounts were never paid late. Equifax still has not updated the information. XXXX account shows to go to a positive in 2022. This is beyond ridicilous. I am being penalized for incorrect information that is reflexing as negative when it should be reflexting positive. My next step is to hire an outside attorney to sue equifax for not correcting my report. This negative incorrect information is affecting my credit score. Especially when I paid all XXXX accounts on time and have proper proof from the bank stating so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Dear Sir. I received a letter on XXXX XXXX, 2015 from the XXXX Bank finding inaccurate information in my credit report, as furnished by Equifax. Advised by the Bank in writing, I have tried to contact Equifax online, by phone as well as by mail. It is now about 10 days, I have not been able to talk to them on the phone as well as by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
We originally had a loan in about XXXX with XXXX, due to the economic condition at that time, we were unable to maintain the loan. The loan subsequently fell behind and was in a charge off status in XXXX. The loan subsequently transferred hands to various different lenders, XXXX lender was XXXX which reported the XXXX XXXX on out credit as a charge off. This particular loan was then bought and transferred to XXXX XXXX in XXXX, i may add the loan was bought in a charged off status. Earlier this year XXXX XXXX, XXXX XXXX finally decided to charge off the loan again. I contacted the credit bureau on more than XXXX occasion as well as made contact with XXXX XXXX. I explained to them the debt was charged off XXXX and should have been removed from our credit report about XXXX. The only response from Equifax is that they confirmed the debt was mine, they put a current charge off on my credit report and put the charge off on my wifes credit for about 6 years ago. I believe this is an attempt for XXXX XXXX to re-age this old debt in an attempt to keep it on my credit report longer than the statutory 7 years. When XXXX XXXX charged off the debt in XXXX, that should have been an internal process not one that should still affect me the consumer. 
I am not sure if my complaint should be against the Credit Bureau because they are not holding XXXX XXXX to any standards too report correct information or if my complaint should be against XXXX XXXX. Either way, I have no other options but to contact your Agency to determine if you can help us and what is the path to an amicable solution. 
Thank you for any assistance you may be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
During an application for a car loan, I discovered that there were many errors in my Credit Reports with all three credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all three credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ) ; and before I do that I report it to CFPD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Submitted disputes with company where either information was incorrect or did not update. When items were reported to be removed by creditor, they were not removed. Timeliness and accuracy of reporting was inefficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several letters to Equifax disputing items on my credit file that do not belong to me. The Inquiries was XXXX of them. I was a victim of identity theft and somehow my personal information was stolen. Please help me to get these unauthorized inquiries remove from my credit file. Please remove unauthorized Inquiries from XXXX XXXX to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Bankruptcy was removed from credit report and then reinstated without my knowledge and Equifax did not send me out any notice before attempting to reinstate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am contesting Public Record Information on my credit report is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. I have contacted the Bankruptcy Court and has confirmed that they did not " verify '' any information to the reporting agencies as stated. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. I am filing this complaint requesting that the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
After getting information today ( XXXX/XXXX/2017 ) that my SSN may have been compromised on XXXX/XXXX/17, I tried to contact the XXXX credit reporting agencies to request an initial fraud alert. I was unable to make a request either online or via the phone number provided for XXXX or XXXX. I went through the process on the Equifax automated phone system and was eventually told that there was already an initial fraud alert for my SSN. I did not request this initial fraud alert and am concerned that someone else has my SSN and has requested the initial fraud alert so that they are contacted with credit requests instead of me. The Equifax automated phone system told me to send additional information to their Office of Fraud Assistance in order to request ( another? ) initial fraud alert. I tried to contact a representative at Equifax to find out when this initial fraud alert was placed ; however, there was no way to speak with a representative or get that information online. I tried to contact the other credit reporting agencies as well but could not speak with a representative. I called the FTC and CFPB for suggestions on what to do next, and the CFPB representative suggested that I file a complaint here. I also have a XXXX account since my information was part of the XXXX breach a few years ago. According to that account, there has not been any activity using my SSN as of XXXX/XXXX/17 ; however, I 'm trying to be proactive in preventing fraud from occurring at all.

Company response to consumer: Closed with explanation