vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 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: AL

Complaint narrative:
I sent the burea a letter stating that my information is incorrect and that I had fraudulent activities and someone been putting bills in my name its been over 45 days since I sent the letter.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: GA

Complaint narrative:
Please remove my fraud alert and consumer statement. 
Thank you.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
Please remove my fraud alert and consumer statement. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: AL

Complaint narrative:
I sent the burea a letter stating that my information is incorrect and that I had fraudulent activities and someone been putting bills in my name its been over 45 days since I sent the letter.

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 2020-10-14 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: AL

Complaint narrative:
I sent the burea a letter stating that my information is incorrect and that I had fraudulent activities and someone been putting bills in my name its been over 45 days since I sent the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Please remove my extended fraud alert, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX of 2020 I decided that I needed an additional credit card. I researched on line for the best cash back credit cards. Several websites listed the Chase Freedom XXXX card as one of the best. The promotional info included a {$200.00} cash bonus if you charged and paid {$500.00} in the first three month of receiving you credit card. I applied for and received the Chase Freedom card. After two months I met the {$500.00} threshold however I only received a {$150.00} credit. When I noticed this on my statement, On or about the end of XX/XX/2020, I called Chase about the discrepancy and referenced the marketing promotion when I applied for their card. The Chase call center person I spoke to said they would forward my complaint to their marketing department. On XX/XX/2020 I received a very boilerplate letter from chase saying that my account isnt eligible for the new offer I requested. This is a blatant falsehood because it was promoted when I applied for their card. I did call Chase customer satisfaction group to voice my complaint again to no avail. Basically this was false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had account at chase bank for almost a couple years I just recently got a letter they going to close my account I called number on paper to find out why they didnt give me no answers I tried to open a new bank account but cant and I think its because something they wrote on my history and I dont know why. I havent written any bad checks or did anything fraudulent so whats going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Chime Financial Inc
State: LA

Complaint narrative:
I was in the process of evicting due to Hurricane Laura and tried to book a pay at the property hotel. I booked the XXXX XXXX via XXXX and it was indeed a pay at the property hotel. Upon reserving my room the company charged my card which was against XXXX policy. I attempted to reach out to the company via phone on XXXX but was unsuccessful due to them disconnecting their phone line. I reached out to booking on XXXX as well and they was also unsuccessful with reaching them. So I filed a claim to cancel my booking through the company because they violated a legal policy by charging my card before I even got there. And again they was unsuccessful reaching out to someone at the property because they refused to answer the phone. I shouldnt have been charged anything thats the purpose of booking with the company I used for security purposes. Not only did they charge me before I got there but they refused to even acknowledge the fact they was in breach of contract with booking. I didnt stay at the property me and my family was evacuating from a hurricane and I believe this property was using that situation to defraud evacuees. Ive taken this matter up with our Attorney General and I would like to be refunded all of my money due to the fraudulent handling of this transaction. Im a XXXX single mom of XXXX  and can not afford for anyone to scam and commit fraudulent acts against me Im asking for a favorable decision because they violated legal policies.I reached out to my bank ( Chime ) on XXXX and eventually I had to file a claim to get my money back. I provided them with my XXXX policy info the email from the hotel stating that I will pay at the property and their own company policy with XXXX that once again states that I would pay at the property. My bank decided that no error happened and is allowing the transaction of XXXX to be finialized even though 1. They shouldnt have charged my card. 2. I did not stay at the property 3.  The literally violated not only XXXX policy but their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit report includes an address I never lived at or used for anything in my life. I have repeatedly asked for it to be removed and they will not remove it.

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 2020-10-14 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: CA

Complaint narrative:
I had a medical bill previously closed by the original creditor in XX/XX/XXXX. We confirmed the closure with the original creditor in XX/XX/XXXX, with a confirmation  letter dated XX/XX/XXXX. A collection agency seems to have fraudulently purchased the debt. When asking for debt validation from the collection company, none was ever received. Information was sent to Experian for investigation, and twice Experian replied that the debt is " valid '' and " remains '' on my credit report.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove my extended fraud alert, Thank you.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove my extended fraud alert, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Nelnet, Inc.
State: OH

Complaint narrative:
DEPT OF EDUCATION/NELN is stating the was late on the 5 account with the same account # XXXX. I will NEVER LATE ON THESE ACCOUNTS. 

Please provide method of verification of late payments and process used, I'm exercising my right under the Fair Credit Act as well. Please provide PHYISCAL PROOF of late payments as this information is not accurate. Fair Credit 611 Please correct payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am contacting Federal Reserve consumer ( consumer financial protection bureau ) regarding this branch and XXXX XXXX. 
This guy working at US Bank XXXX XXXX XXXX. XXXX CA XXXX doing some shady stuff. 
XXXX XXXX is withholding my father money. he put the block and my father for the past months cant access his account and money. 
I have been calling the main office and corporate office and no body take care of the issue. This guy XXXX XXXX is controlling the whole entire bank system. 
He XXXX XXXX could be stealing and touching peoples account and money without permission and there is no one above him to supervise his misconduct. 
My father had XXXX and XXXX attach past few months and he knows that my father is an elderly. 
I will report XXXX XXXX also to adult protective services for elderly abuse as well.

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 2020-10-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My father, XXXX XXXX XXXX, owned a CD at Bank of America. The CD was in his name and in the name of " XXXX XXXX XXXX Living Trust. '' XXXX XXXX died XX/XX/XXXX. 

The XXXX XXXX XXXX Living Trust was revoked on XX/XX/XXXX but Dad failed to notify Bank of America of the change. The CD thus remained in the name of the trust upon his death. 

I, XXXX XXXX XXXX, am personal representative and executor of XXXX 's will. 

I first contacted Bank of America on XX/XX/XXXX regarding the CD. Due to a misunderstanding I provided the wrong information at first. But on XX/XX/XXXX I had a conversation with XXXX XXXX in the estate management department of Bank of America who told me what needed to be done. 

I followed XXXX XXXX 's instructions. On XX/XX/XXXX I submitted a notarized Letter of Instruction and Account Closure Request, death certificate, and Letter of Administration of a Small Estate from the XXXX XXXX, MD, Register of Wills to Bank of America. I obtained an EIN and opened a bank account for the estate of my father to receive the check from Bank of America upon closure of the CD account. 

On XX/XX/XXXX I received an email from XXXX XXXX. She informed me that the closeout had been rejected. She said she would make a complaint. I never heard from her again. 

On XX/XX/XXXX I received a phone call from XXXX at XXXX who identified herself as a representative of Bank of America 's estate department. She told me that by the end of the day, or at the latest by Friday, XX/XX/XXXX, she would call back regarding the resolution of the CD account. She never called back. 

I called Bank of America 's estate department today XXXX, ext. XXXX. No one answered. I was on hold for nearly 70 minutes. I hung up. Then I called XXXX at XXXX. She did not answer. I left a message. 

There is no reason for Bank of America to make it so difficult to obtain the funds in my deceased father 's CD. This is NOT Bank of America 's money. It belongs to the heirs of my father. This almost amounts to theft. What I have been through 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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am no longer a authorized user on the XXXX XXXX account opened XX/XX/2015 that is reported to the credit bureaus. Please remove this account off of my credit report.

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 2020-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
The Santander Consumer USA wrote a loan for a used XXXX, and the loan was closed. The NC Attorney General filed a civil action against Santander Consumer USA for the very same reasons that included the used car loan. Both reached a settlement agreement, including the following settlement summary in attachments. The settlement was to remove all the debt and dissolve them from the credit report. The record should from Santander Consumer USA should be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: OH

Complaint narrative:
DEPT OF EDUCATION/XXXX  is stating the was late on the 5 account with the same account # XXXX. I will NEVER LATE ON THESE ACCOUNTS. 

Please provide method of verification of late payments and process used, I'm exercising my right under the Fair Credit Act as well. Please provide PHYISCAL PROOF of late payments as this information is not accurate. Fair Credit 611 Please correct payment history

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 2020-10-14 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: PA

Complaint narrative:
I want you to delete this account from my credit report. This account is not mine, i would never ruin my credit this way. Its affecting my everyday life, I'm not able to get insurance or anything. I already try to fix it with the store and they told me they cant do nothing about it and i believe this is very unfair. to have to pay for something that's not mine.

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 2020-10-14 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: PA

Complaint narrative:
I want you to delete this account from my credit report. This account is not mine, i would never ruin my credit this way. Its affecting my everyday life, I'm not able to get insurance or anything. I already try to fix it with the store and they told me they cant do nothing about it and i believe this is very unfair. to have to pay for something that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I was denied credit by multiple finance companies due to collections being reported by IC Systems. When I asked IC Systems to validate this debt was actually mine, I received no response, but they continued to report the inaccurate information.

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 2020-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX XX/XX/2020 I tried to access my account with TD Bank. I noticed that my password wasn't working. After changing my password and looking at my accounts, I noticed that I had {$1000.00} less on my Landlord account, which is always at a specific balance. Then I noticed that my checking account had a transfer of {$1000.00} on XXXX XX/XX/2020 to a XXXX XXXX through an app called XXXX that is available on the TD Bank website. The only time I use this app is to pay my rent to my landlord, which is clearly documented on my transactions with XXXX. I do not know a XXXX XXXX, nor did I send him {$1000.00}. 
I called the bank and also went to the bank and closed all my accounts and opened new ones on XXXX XX/XX/2020. They filed a claim the same day at the bank. I gave them time to investigate the claim and on XXXX XX/XX/2020 when I didnt hear back from the bank I called again and was told the claim was denied. They also told me that I should call the person who is on the transfer information which has a phone number from Florida. I called that number and got a answering service the first time and the second time, he said he didnt know who I was and didnt have my {$1000.00}. I went back to the bank to get an explanation as to why this was denied and was told the claim was denied on XXXX XX/XX/2020. They told me that I would need to file a police report. That same day I went to the police station and filed a report. Currently investigator are reviewing the documents they asked me for. When I got home I had a letter from TD Bank stating the claim was denied and I could request documentation of the investigation the bank did. That same day I called the bank and ask for the documentation. I spoke to XXXX and she listened to my story and looked at my file and said that this looked questionable and she resubmitted my claim that same day. I called the bank again on XXXX XX/XX/2020 to check the status of the resubmitted claim and XXXX told me the claim is still pending and that is a good sign because usually they deny them right away. He also told me that he sees some questionable activity on my account from IP addresses from Florida and another location. I gave them another few days and called them again on XXXX XX/XX/2020 and spoke to XXXX who told me that he doesnt see anything in the system at all from the resubmitted claim from XXXX XX/XX/2020. He said he could only go back to XXXX XX/XX/2020. He suggested to submit the claim again. This is going on for over a month and all I am getting is the run around with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I reported that I made a purchase and did not receive, what I paid for. Therefore I wanted a refund. You pay before you get the service. I also had put in a complaint with the XXXX   months before, because they would not respond to me or the XXXX  complaint. I came to American Express because, I could see that XXXX XXXX was not going to do anything and were just stalling for time. 
When I came and told American Express about the situation, and I did not get what I paid for. They should have refunded my money, back to the card, They took his word for fixing this situation. Knowing all of the steps that I went to try to remedy the situation before I even came. As of XX/XX/XXXX, he tried to retaliate against me for reporting him, as he picked that day to tell me that he was not going to refund my money or fix the situation. After all this time saying otherwise. During the dispute period you told me that I did not have to pay, you took it out of dispute. and did not tell me. Now the card is in arrears. When this situation didn't have to be.They also violated my Hippa rights by photocopying my personal medical records and sending them to American Express. Who does that?

Company response to consumer: Closed with monetary relief