vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid CASH with Electronic Funds to CHASE Visa {$5500.00}. This cash was credited to my account the previous day ( Approx $ 30,000+ from mutual funds sale w/help from XXXX XXXX credited XX/XX/XXXX. ). Per XXXX at Chase Visa today, XX/XX/XXXX ( supervisor XXXX refused call ) did not received the {$5500.00} until XX/XX/XXXX, credited XX/XX/XXXX, reversed {$5500.00} as Stop Payment XX/XX/XXXX. I continue to receive mail from Chase Fraud Dept as though I HAVE COMMITTED SOME KIND OF FRAUD!!!!! 
I HAVE ABSOLUTELY NOT!!!!!! I am simply trying to GET OUT OF DEBT!!!!! What is wrong with this bank?!? This all started on XX/XX/XXXX, when a Chase loan officer could not be honest w/me nor apologize for his human mistake! And here I AM PAYING FOR IT STILL!! I will be talking to my attorney on Monday as I am near my wits end & I have absolutely no idea what to do!!!!!!!!! I am sure when I log into my account, I will be overdrawn & CHASE will probably tell me I OWE THEM {$5500.00}!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: MO

Complaint narrative:
I bank with US Bank and they have XXXX to transfer money. XXXX is the system Us Bank use to transfer money. Last month I transferred money through XXXX and the person I transferred money to received the money. Today I use XXXX and the bank email me saying the money went to XXXX XXXX XXXX and the only person I had a as a person to received money was my Landlord account, so I called the bank and spoke with this guy name XXXX, he said he did not know what happen, he put in a dispute so that they could get the money back from XXXX XXXX XXXX. I ask how did XXXX XXXX XXXX become a part of my account or have assess to my account and he could not example what happen that XXXX XXXX XXXX has assess to my account. XXXX is the way I transferred money to my Landlord to pay my rent but instead my rent was sent to XXXX XXXX XXXX and I was told that it would take 7-10 days to make the correction. I ask to speak to his supervisor or manager and he left me on the phone for about 5 minutes and told me they were not available. I could leave a message on their answering service. The best time was to call back Monday, is what he said and then he said, I must have pushed sent for XXXX XXXX XXXX. 
I said I have only one person listed to receive money from me and that is the name that showed, not XXXX XXXX XXXX. When XXXX came back to the phone after I asked for the supervisor and or manage. He told me that I must have pushed the sent sign for XXXX XXXX XXXX. I told him there was no sign for XXXX XXXX XXXX not on the page I was on. All it showed was the person that was suppose to get the money. He still could not explain how XXXX XXXX XXXX have assess to my account with XXXX. Because XXXX XXXX XXXX is not a part of my contact list for XXXX, so " How did my rent money get routed to XXXX XXXX XXXX? '' and Why do I have to wait 7-10 days for it return? XXXX is picked when you want to transfer money through the bank to someone and XXXX ask you check you information before sending which I did. 
Please help. US bank attendant would not let me speak to anyone else, He claim they were unavailable. So the whole weekend and the bank make a error that impact other people 's lives and nothing is done.

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 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian said in its response in file # XXXX, that I did not provide a specific Item that I wanted deleted, That is NOT True. 

If you look at the attachments that I sent with my first complaint File # XXXX. 

I was very clear that I ask for a METHOD OF VERIFICATION as it related to a Item in my Public Record, Experian is not being honest about what I requested. 

This has been going on since XX/XX/2019 and they have not provided me with the METHOD OF VERIFICATION as to date.

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 2020-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
for XXXX after working 30 year 's. 
I give you my word that I am getting to the bottom of this for ALL STUDENTS for ALL GENERATIONS these kid 's don't stand a chance in life if they're starting off in the negative. 
Thanking you in advance. 
XXXX XXXX XXXX PS I'm attaching copies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Amex Serve closed my prepaid account and emailed me that I violated section 12d and 15d of the card holder agreement. They wouldn't take my calls, just closed my account. 

I didn't do anything. You can't do much with a prepaid card and we had the account for over 5 years. 

Please investigate. We were already in the process of closing our account because we were very limited with Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, someone hacked my online banking account of bank of america by first hacking my XXXX  account. Then the hacker changed the email address of one of my recipients to his own email address in XXXX transfer 's address book. The hacker used XXXX transfer to stole {$2800.00} out of my checking account. On XX/XX/2019, I found the issue and filed a fraud claim with bank of america. But after 10 days investigation, bank of america refused to honor the claim just because they think my account was accessed by consistent same device. After search my gmail activity, I found the hacker may even hack my computer and logged onto my boa 's account by using three different IPs. 
I tried to dispute with boa but boa claimed it may need another 45 days to do investigation again. As a customer, I feel very unsafe about my money in bank of america. And I am very disappointed with boa 's customer service. Many times, I was redirected between different boa 's departments without knowing the right person I can talk to. I feel boa does not care customer 's security and offer XXXX to customer without much care. 
When I search help online, I find I am not the only person suffering boa 's security service. XXXX XXXX   XXXX Many other persons are victims of unsafe XXXX  transfer service provided by bank of america .

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 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 {$300.00}.

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 A

ct, 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 rev
iew 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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -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 non-monetary relief
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX  / XXXX XXXX XX/XX/XXXX 5. XXXX / XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had fraudulent activity on my checking account this past summer ( XX/XX/XXXX ). I INSTANTLY called Huntington Bank and headed to the branch to let my bank know about the fraud. A person claiming to be a loan provider scammed me by putting money in my account ( which they took back out because the check was fraudulent ). After going to Huntington Bank and explaining the situation to them, I went and filed a police report at the XXXX police station in XXXX county, Oh. I took a copy of the police report to Huntington Bank personal banker. I was told their fraud department would take care of the fraudulent activity. Then about 2 weeks later I was told by Huntington Bank that I was responsible for the {$850.00} in fraudulent activity even though I was the victim of this fraudulent crime. To this day ( XX/XX/XXXX ) I receive at least 3 phone calls a day from Huntington Bank telling me I owe that money. How in the world can I get Huntington Bank to list the unauthorized use of my account and get Huntington to STOP calling me 3 times a day?????? It's been 6 months since the fraud happened. Everyday for 6 months, Huntington calls me 3 times a day. Also, how do I get the fraudulent activity resolved???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}.

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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
fraudulent account XXXX XXXX XXXX XXXX date opened : XX/XX/2011 Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B - A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
l will send proof showing EQUIFAX is the only credit bureau with this error and they are Also reporting A 9 year old out dated account that belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX   XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I never recieved anything in the mail stating I had a debt with this company, i received my first call from them in XX/XX/2019 stating i owed a debt and was late and they would soon start reporting on my credit. I asked the man to please send a letter validating the debt since I had no knowledge of the debt he was referring to, he proceeded to tell me they had already sent it and it was sent back to them, which is impossible since I never sent anything back to them. So he said they would send it again. By XX/XX/2019 I still had not received anything so XX/XX/XXXX I called and requested again for them to validate my debt and the man said it was to late so I asked to speak to a supervisor and the supervisor then told me I could dispute the debt and that they will send me validation in the mail by 30 days, which they did not. So XX/XX/XXXX I called and was told that they were still investigating and then I was told he closed out the investigation while we were speaking and that I would receive documentation validating my debt. To this day I have not received anything in the mail from them yet they are still negatively reporting to the credit bureaus on a debt they cant seem to validate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX   XX/XX/XXXX 6. XXXX  / XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611

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 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Okay this is my third complaint against Equifax. They have not fixed my credit report as of yet. I have called and they said that they would have it done in XX/XX/2019. They also stated over the phone they removed a credit freeze. I just pulled my credit report and nothing has changed. I have two negative accounts and no history that they removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC
State: NV

Complaint narrative:
I previously made a complaint to your office with regards to this same issue and the vendor had responded to you and the response of the vendor was convoluted and not according to the loan contract that I signed up from them when I purchased my car. My contract stated an APR of 21.45 % and the response of the vendor was convoluted with an APR of 80.16 %. This lender must be audited with their system of calculating finance charges because their system was not calculating according to the contract. 
I am trying to get refinancing of this loan for a lower APR from 21.45 % to 15 % and the vendor was disclosing a way up payoff balance using 80.16 % APR. This 80.16 % APR was not in my contract at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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