vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE has not responded on how a former WASHINGTON MUTUAL personal checking account became  XXXX  account. According to CHASE my checking account number also became a business account when CHASE acquired WAMU. Their compliance dept closed the checking account without due diligence. CHASE has not attempted to rectify their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I contacted  XXXX   XXXX    XXXX   about an account that was on my credit report that was n't opened by me! They sent me a letter stating that they would remove the closed,  XXXX  'd out account from my reports. I keep being contacted  by Midland Funding abo ut this account that they purchased for pennies on the dollar. Again this is NOT MY DEBT! If the original creditor removed it from my reports, SO SHOULD MIDLAND!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On multiple occasions I 've not only contacted Equifax about inaccurate & erroneous regarding addresses to Which ive never lived in! I have even sent notorized doucments proving that i didnt live at the address, supposedly those addresses have been deleted but yet the remain on my Equifax credit report. This hinders my chances of obtaining credit, verifying who i am when i apply including getting turned down because of this. Please inform Equifax that im now seeki ng Legal Consumer Protection Council if this inaccurate information stays on, and that i will seek Legal remedies via Lawsuit. attached i have provided dispute results from Equifax and Todays File which still shows the Supposed '' Delet ed Addresses ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: AES/PHEAA
State: MS

Complaint narrative:
I recently started looking into my credit report because I plan to buy a house in the next year. When I pu lled my report I noticed multiple late payments shown under my student loans with FedLoan Services.  I called into the customer support line  XXXX   XXXX ,    2017 and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me FedLoan Services would n ot be able to do that. I have sent letters to the company and am currently awaiting a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
Do n't know, nor have I ever applied, signed ANY application for any loan from Lending point ... got a email saying that I had applied for a installment loan, and that I was declined!!! All this unbeknowest to me ... I sent a email to Lending Point letting them know that I had NOT applied for ANY credit installment loan, and that if they were reporting that to the CRA 's that I would be filing a complaint in  XXXX   XXXX  Superior court for them erroneous reporting a inquiry to the CRA 's in violation of t he F.C.R.A. I  have also filed a Identity Theft report with my local police station ...

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 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
This needs to be removed from my credit report. This was originally on my credit file about 2 years ago, was removed for inability to verify and then reinserted 2 months ago. I have disputed with the company directly and have disputed with the credit bureaus to no avail. The bureaus are coming back as " verified '' and not at any time have I received any communication from the collection agency themselves. Section XXXX protects me against false reporting by the credit bureaus and they are required to send me the original paperwork that I filled out when this account was opened. If they do not have it, this account must be removed because it has not legally been verified. Basically, what the bureaus are saying is that ANYONE can report anything on a consumer 's credit file without any proof they owe it. Only items in which I ever agreed to pay or owe the debt are allowed to report on my credit file and the burden is on the bureaus and not on me. ( see XXXX v XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
It shows that I opened a line of care credit when I never did. I do n't know who or where this came from!

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
M y Capital one c redit card  XXXX   XXXX   XXXX   XXXX  has been removed from my credit reports due to a credit bureau mistake. This account got mixed up with a different account reported as fraud. This card needs to be re-reported by  Capital One to ALL  XXXX  credit bureaus. All pay history since 2010 needs to be up dated immediately. If any requests have been made by any of the credit bureaus to stop reporting this account please disregard them as invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On  XXXX   XXXX  , 2017, some one cashed a forged check in the amount of {$1500.00}. On  XXXX   XXXX ,  2017    when the check posted on our account, we first contacted Chase and informed them of the fraudulent activity, then immediately filed a police report with  XXXX  Police Department case #  XXXX  with   XXXX    XXXX . Chase informed us it would take up to 30 days to investigate and return the funds. On the  XXXX , we contacted Chase to get an update on the claim and they informed us the claim was denied. They would not refund our money because we were negligent with our checks. That we " didnt keep our checks in a safe at all times. '' My husband went to the local branch to discuss this matter further and the banker herself said she has never kept her checks in a safe ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
XXXX   XXXX ,    2016  amounts is {$1400.00}.   I have contacted the company to dispute this debt because the school issued out money I was not due and I should not be held responsible for this error on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,    2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.

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 2017-05-31 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,  2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,    2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.

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 2017-05-31 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about  XXXX   XXXX  I was purchasing something through  Amazon.com. It referenced " linking '' the card to my Amazon Prime account. The ad said if I did this I would get a discount to my purchase or a credit to my account. I applied for and received a new credit card with a {$4500.00} limit. I did not understand that this meant that my annual renewal fee for my Amazon Prime account   would now be charged to a new credit card. In  XXXX   XXXX  apparently it charged my new  Amazon Prime card. Prior to this, my Amazon account automatically debited from another account. I also did not receive a notification from Amazon that my card was being automatically debited, so I had no reason to believe a charge was being applied. Believing that I had a {$0.00} balance on the new Amazon Prime card, I did not pay anything for several months.  The result was in  XXXX   XXXX  I was reported to several credit reporting agencies. I contacted  Chase and disputed the item through  XXXX . Chase ( which runs the Amazon Prime Chase card ) is refusing to fix the situation, claiming that as long as there was a charge on the account, and it was n't pa id, that this is the end of the discussion. I also should point out that I do not live at the address in which the bills were purportedly sent - I live in a new apartment. I suppose that is my fault for not updating my address, but I did not have actual knowledge of the bill. The result of all this is my credit has dropped by  XXXX  points while I am applying for a new job and it could affect my ability to make major purchases, such as a new apartment  in the County where  I am trying to get the new job. I am very upset and I do not know how to deal with this short of suing people under the Fair Credit Reporting Act. I have n't submitted any documents to anyone, but I suppose I could find things to support what I am saying. However, Amazon has most of the documents here. I have now paid the balance, but my credit is busted and it will take years to go back up  XXXX  points. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BOA charges an initial overdraft fee of {$35.00} & then charges the same fee again & lists as an extended overdraft charge. If you call them to have this fee waived they either refuse or will only do it once every 6 months. I recently connected my BOA to my  XXXX  checking account to be able to make transfers.  XXXX  deposited less then {$1.00} twice & then pull ed one of the deposits back, BOA tho ught it was well within thier right to charge me another {$35.00} fee. They have also charged me {$5.00} fee to replace the debit card they issued to me when the chip no longer worked. How the  XXXX  are you going to charge me for a defective card you issued me?! In order to get them to rectify the issues you have been subjected to you have to  XXXX  near threaten them within an inch of thier life. Consumers do n't deserve this when it 's thier money they earned. I 'm the sole breadwinner in my household & every penny counts & to watch this POS bank take it & then argue with me over fixing the issue is absurd.

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Do n't know, nor have I ever applied, or signed Any application for ANY loan from  XXXX  c/o  XXXX  ... I received a email thanking me for applying for a loan, and that they were sorry that they could not provide the erroneous loan!!! This is/was unbeknowest to  me (   XXXX   XXXX   XXXX   )   .I  sent them a email letting them know that I had NOT applied for ANY loan, and that if they were reporting that to the C RA 's  that I would be filing a complaint in  XXXX   XXXX   Superior court for recklessly erroneously reporting this inquiry to the CRA 's in violation of the F.C.R.A.. I have also filed a  Identity Theft report with my local police station.

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 2017-05-31 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: NY

Complaint narrative:
i found that this account is not belong to me and i found that this account is damaging my financial life

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i found that this account is not belong to me and i found that this account is damaging my financial life

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i found that this account is not belong to me and i found that this account is damaging my financial life

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: NY

Complaint narrative:
i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diverse Funding Associates LLC
State: GA

Complaint narrative:
I was young and stupid, had a addiction problem and was having a baby. Wanted to buy my girlfriend a very nice promise ring. So I did. Ended up getting fired from my job I had. And could not make a payment whatsoever. Tried explaining to  XXXX  then DNF. I told them I would possibly be able to make a payment around  XXXX ,  XXXX     2017. B ut could n't. Was unemployed. I really learned my lesson, but there should be a forgiveness of this. I am just now  XXXX , getting my life together. And ca n't even get another credit card or bank account due to this. I do n't quite think company 's understand the harsh impact on young adults in this type of modern day economy/society. I am asking for this to be removed from Derogatory. I need to balance my life back out and start over.    DNF ASSOCIATES, LLC.     XXXX   XXXX   XXXX   XXXX , OH Another thing is the amount of inquiries I have on my report. Literally I do not understand how they have legal rights to sit and camp out on my report when they knew they were going to turn me down to begin with. I will list the companies and the dates in documents below. I am trying to start over. And o have not done anything to not deserve a chance to re-new. For all of you young folks, do not!! I repeat do not!! Open a account with ANYONE! Until you have your life together, or just have mommy and daddy to cover you.

Company response to consumer: Closed with explanation