vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX there where some unauthorized charges on my account. I contacted chase and was reimbursed and now the charges are back on my account. After calling chase they informed me that I need to submit proof of where I was, but how can you submit proof if the only thing there looking for is if you where out of town or a doctors appointment. I think its unfair to charge someone for fraudulent purchases

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-23 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: CA

Complaint narrative:
In XX/XX/2017 I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency XXXX. The list of disputed accounts on id theft report were deleted..The problem is that XXXX  additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
XXXX additionally communicated to XXXX and Equifax  information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get XXXX to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force XXXX to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of XXXX and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that XXXX has further blocked the re-entry of the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23 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:
In XXXX of 2017 I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency XXXX. The list of disputed accounts on id theft report were deleted..The problem is that XXXX additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
XXXX additionally communicated to Experian and XXXX information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get XXXX to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force XXXX to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of XXXX and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that XXXX has further blocked the re-entry of the accounts.

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 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Submitted a dispute to Experian via experian website for a Bankruptcy showing on my credit report on XX/XX/2018 and they said that they verified the Bankruptcy on XX/XX/2018 but after sending a letter to the court house they listed on the dispute results on XX/XX/2018 the courts replied on XX/XX/2018 that the US Bankruptcy Court does not report to credit bureaus. I submitted a new dispute today, XX/XX/2018 and submitted the letter from the courts and requested to have the item removed but have not received a response as of yet.

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 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
On XXXX report, it shows that XXXX XXXX XXXX that I owe a balance of {$310.00}. The alleged account also states that it was closed XX/XX/2013. I have no knowledge of this account. Also the alleged account was closed over 5 years ago and needs to be removed from my XXXX report. After the account is removed please send me another 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 2018-11-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been using XXXX XXXX for years to monitor my credit score and activity. I noticed on XXXX XXXX there was something that should not have been on the my report. XX/XX/XXXX, is when I started my own investigation and notified all three credit bureaus that my computer had been hacked. And I absolutely did not apply for credit from XXXX or XXXX XXXX on this day. I recently paid off XXXX XXXX and closed the account. Their response is that it takes up to 90 days for it to remove from report, 90 days has passed. Another issue, was with Chase Auto Finance. After repeatedly contacting Chase directly and indirectly they refused to remove my name from auto, that my father refinanced thru them and bought from me. Chase did not show no compassion for the lost of my father, they added pain on top up grief. It took me to file complaint with XXXX XXXX XXXX XX/XX/XXXX. Then and only then is when someone from Chase called on XX/XX/XXXX to apologize for the inconvenience and that my name will get removed immediately from the auto loan. The origin of this story is that my father purchased a car from me XX/XX/XXXX before he passed and I had been fighting ever since, to clear this mess Chase made DELIBERATELY AND INTENTIONAL, to remove it from my credit report as being joint owner b/c the car was not in my possession. Bad Business. MY FATHER AND I HAVE BEEN LOYAL FAITHFUL CUSTOMERS FOR OVER 25 YEARS and remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: GA

Complaint narrative:
Portfolio Recovery A {$1000.00} Portfolio Recovery A {$490.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file 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 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: GA

Complaint narrative:
XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX  {$490.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file 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 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: RI

Complaint narrative:
I received a call from the company. I didn't think the debt was mine. I asked for a copy of a bill and received an incomplete bill. They dinged my credit and my wife - currently the only negative information on our 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 2018-11-23 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: Credit Central Holdings, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX 06 Reported :XX/XX/XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos )  Term12 months I challenge the accuracy, compliance and reportability of this listing. 
... grave errorsfalse claims and reportingI want these late payments removed immediately or litigation may follow. This is unlawfulI was always on-time, you have made an error Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file 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 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Term12 months I challenge the accuracy, compliance and reportability of this listing. 
... grave errorsfalse claims and reportingI want these late payments removed immediately or litigation may follow. This is unlawfulI was always on-time, you have made an error Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file 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 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) (  A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section  611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: WY

Complaint narrative:
We filed a complaint with # XXXX-XXXX in which you closed because the CMG responded to the complaint. Unfourtuenately the orginal complaint was not answered. CMG has still yet to find the payment nor have they responded to the phone calls and written information we have provided. CMG is now asking for copies of cashed money orders fron and back of said money orders. We can not provide these as they were lost after company signed for and picked up from post office. We are working with Ms. XXXX XXXX of XXXX XXXX XXXX, and CMG is also not given her any answers as to where payment is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax and XXXX are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

Equifax is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : XXXX, Equifax and XXXX. However, they have yet to MASK these items, from my Credit Reports.

However, on XX/XX/XXXX after I disputed these inaccuracies with XXXX, Equifax and XXXX. XXXX  and Equifax REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint.

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint.

I am requesting that ALL 3 Credit Reporting Agencies : XXXX, Equifax and XXXX  IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX and Experian are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

XXXX  is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

Experian is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : XXXX, XXXX  and Experian. However, they have yet to MASK these items, from my Credit Reports. 

However, on XX/XX/XXXX after I disputed these inaccuracies with XXXX, XXXX  and Experian. XXXX and XXXX REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint. 

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint. 

I am requesting that ALL 3 Credit Reporting Agencies : XXXX, XXXX and Experian IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.

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 2018-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday XX/XX/18 at XXXX I responded to an ad advertising basketball tickets. The seller used these two phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. He said his name was XXXX XXXX and his email was XXXX.We agreed upon sending the payment via XXXX through my bank JP Morgan Chase. The first name on the receiving account was XXXX As soon as I sent the {$300.00} we had agreed upon for the tickets, he stopped responding to my calls and emails. I have submitted a claim with my bank and am trying to recover my lost money as no merchandise was every exchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I bought this XXXX  XXXX loaded it with {$100.00} to use for my friend that's in jail. So I logged in to the account there with this card and I made two payments {$5.00} at a time well I got a thing email telling me that I need to add more money so after looking at the history on the card there's a bunch of charges on it. well un authorized. I called probably hadn't been 10 days since they happen and I sent them what they wanted three days later I get a XXXX. XXXX Credit in my account but the {$82.00} wasn't and so they tell me they made their decision I can't dispute it I can't do anything about it what they say is final I tell him I want what proof I hear different stories no one will give me proof they keep sending me in circles and now a little bit of money I had on their {$2.00} they won't give it to me that got my card. Who I am I've proved who I am when I got the card I'm not going to do it now and I'm not giving me my money I don't trust them will you please help me I'm on XXXX and I can't afford to lose my money and they won't let me talk to you tonight I can't do anything my hands are tied to tell me they don't have to give me my money back it's their decision but they gave me the dollar XXXX that was something that was done online but the store charges the girl said there was a pen used soap in been used there's a lot you know how somebody got it since I just got that card and nobody knew what my pain would be I didn't use the same one I used with anything else and one store I went to and there wasn't they told me they gave me the receipt to it it was raining as credit I want my money please help me or tell me where I need to go these people should be investigated this company

Company response to consumer: Closed with explanation