vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a Chase private banking client with Chase Sapphire checking account. Yesterday my family in XXXX used wire transfer to transfer {$5000.00} to my Chase Sapphire checking account. For Chase Sapphire checking account, per Chase policy, there should be no wire transfer fee for either outgoing or incoming wire transfers. Meantime, my family already paid separately the wire transfer fees to XXXX bank, in which they initiated this wire transfer. Therefore, the amount that I should receive in my Chase checking account should be exactly {$5000.00}. However, there was only {$4900.00} deposited into my Chase checking account from this wire transfer. Apparently, Chase charged me {$15.00} hidden fee for this incoming wire transfer. My family further inquired with XXXX bank and was told by XXXX bank that the wire transfer amount that I should receive should be exactly {$5000.00}. XXXX bank confirmed that the missing {$15.00} must be charged by Chase as the receiving bank.

I reported this issue to Chase Private Client customer service. However, Chase representative treated me very impatiently and unprofessionally. She didn't resolve this issue at all. I am very disappointed with your Chase Bank customer service. 

I am escalating this issue to CFPB, and am requesting Chase to immediately post the {$15.00} to my Chase Sapphire Checking account because Chase should NOT charge me this {$15.00} fee at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Company called Me claiming to be my credit cards bank they tried to convince me they were chase bank by giving me my recent payment information and then tried to tell me I had a payment due and that they would help me lower my interest-rate if I paid the payment. I told him I didnt have a payment due because I just paid it and they tried to insist that it was due and if I just paid the payment they would lower the rate. I hung up on them they called me back told me they were a different company approved by my bank to help lower my interest rate they keep asking me to give them card numbers and I refused multiple times and finally had to just hang up on them. The number XXXX XXXX XXXX from XXXX XXXX. Second call came from blocked number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Fraudulent charges made on account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
This company is reporting illegal information on my credit report I contacted them 30 days ago and serveral other times and got no response.also under the hipaa Privacy act they can't have access to my personal medical records that's against the law and they can't provide me with information about this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: TX

Complaint narrative:
I uploaded a letter to Experian, XXXX  and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian, XXXX  or XXXX  doesn't have any files to verify this account, nor will they delete 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 2020-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
The monthly payment due is miscalculated to be {$3000.00}. 
The correct monthly payment due is {$2900.00}. 
Escrow account has been closed. Escrow Closing Notice attached. 
The correct minimum monthly payment is arrived by adding the line items for principal ( {$770.00} ) and interest ( {$2100.00} ) from the latest monthly statement received. XX/XX/20 statement attached.

Tried to resolve the wrong monthly payment with loanDepot on 2 instances. Message acknowledgement on XX/XX/2020 ( attached ) and Live Chat on XX/XX/2020 ( attached ).

Still no resolution. See attached XX/XX/2020 Payment Screen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have constantly contacted Equifax with concerns regarding accounts : XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$200.00} XXXX with Consumer Affairs Office advised I would need to contact the police department and FTC regarding identity theft. They refuse to investigate as they should. They send the same generic dispute results and it is disgusting at this point. XXXX also confirmed my report can be accessed without my authorization causing unauthorized inquiries and there's nothing I can do about it besides report it to FTC and make a police report. 

XXXX advised they have an electronic system and communicate with the agencies and if matches their records it is verified. They are unable to submit to me the results of their investigation besides the generic language. 

To zoom in on an issue, XXXX XXXX XXXX have sent me a bill and have yet to show this is my debt. XXXX the original creditor, has first used XXXX XXXX, then XXXX  XXXX  now XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: TX

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: TX

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: TX

Complaint narrative:
I uploaded a letter to XXXX, XXXX  and transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, XXXX  or transunion doesn't have any files to verify this account, nor will they delete 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 2020-11-21 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: TX

Complaint narrative:
I uploaded a letter to XXXX, equifax and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, equifax or XXXX doesn't have any files to verify this account, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: FISERV FINXACT CORE
State: IN

Complaint narrative:
XX/XX/20 used atm that did not dispense cash. XX/XX/20 called money network and dispute transaction. They said that they would credit my account and mail a dispute letter within 3-5 days. I called 3 times days after because I didnt get letter or credit. After 9 days I received letter I faxed and mailed. After many calls I am told merchant agreed to return my money. Yet after 30 days I still have not received my money and getting a run around

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 2020-11-21 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: FL

Complaint narrative:
I have constantly contacted XXXX  with concerns regarding accounts : XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$150.00} Southwest Credit Systems {$100.00} XXXX XXXX XXXX {$200.00} XXXX  with XXXX XXXX XXXX advised I would need to contact the police department and FTC  regarding identity theft. They refuse to investigate as they should. They send the same generic dispute results and it is disgusting at this point. XXXX also confirmed my report can be accessed without my authorization causing unauthorized inquiries and there's nothing I can do about it besides report it to FTC  and make a police report. 

XXXX advised they have an electronic system and communicate with the agencies and if matches their records it is verified. They are unable to submit to me the results of their investigation besides the generic language. 

To zoom in on an issue, Southwest Credit Systems have sent me a bill and have yet to show this is my debt. XXXX the original creditor, has first used XXXX XXXX, then XXXX XXXX now Southwest Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: HI

Complaint narrative:
The issue is me and my twin sister have the same SSN except the last number. It's alot of stuff on here and need to be removed due to not being mine and some might not even be my sisters. However, this issue has been going on for to long and I'm not getting the help I need to resolve this issue. I'm in the military and want to continue moving forward and this has me at a stand still. Immediate attention please. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: IL

Complaint narrative:
I uploaded a letter to XXXX, equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, XXXX or equifax doesn't have any files to verify this account, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: IL

Complaint narrative:
I uploaded a letter to Experian, XXXX and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian, XXXX or XXXX doesn't have any files to verify this account, nor will they delete 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 2020-11-21 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: IL

Complaint narrative:
I uploaded a letter to XXXX, XXXX and transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, transunion or XXXX doesn't have any files to verify this account, nor will they delete 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 2020-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Capital One Bank, XXXX and XXXX  credit bureaus regarding a collection/charge-off that was opened in XXXX. There are 4 inaccuracies on this report. It is well over 30 days and the 4 inaccuracies are still on my account and it still hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Capital One Bank, XXXX and XXXX regarding a collection/charge-off that was opened in XXXX. There are 3 inaccuracies listed on this report. It is well over 30 days and there are still 3 inaccuracies listed on the account and it hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: NJ

Complaint narrative:
In accordance to the respond provided by the company for case XXXX, the company has provided invalid excuse to close my account and, above all, charging me the annual fee of {$150.00}. It comes to my awareness that the company has tried all the excuses to first asking client to open an account and after less than a month close clients ' account for all made-up excuse so as to charge clients ' annual fee. As per the respond, the company manipulate the fact that I did not '' voluntarily notify us of the closing of your account within 30 days while your account was still active ''. The fact is after being notified of the potential closure of my account, I have been calling to have the issue fixed. I actively contact the credit card company to have the matter escalated yet I did NOT receive any respond from them. At the end I was the one who have been actively contact the company to have my identity verified yet at the end they found all sort of excuses NOT accepting the verification documentations I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: OK

Complaint narrative:
Unauthorized credit inquires on my transUnion report. Ive contacted TransUnion and they refuse to do anything about this. 18 total inquiries on my report that were not authorized

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 2020-11-21 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: NJ

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-11-21 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Unsecured Balance - Date Opened XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/2020. 
Account Type Unsecured Balance {$240.00} Date Opened XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/2020. 
Account Type Unsecured Balance {$240.00} Date Opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XX/XX/2020 Portfolio Collection Agency added two ( 2 ) deragatory marks on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection and there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, ( Portfolio ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation