vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 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: PA

Complaint narrative:
Send out 2 section 609 letter company refuse to comply with credit reporting law copy of letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX Name of Account Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX / XXXX XXXX / XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: PA

Complaint narrative:
Send out 2 section 609 letter company refuse to comply with credit reporting law copy of letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX Name of Account Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX / XXXX XXXX / XXXX # XXXX # 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 2018-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
The loan officer XXXX with SWBC misrepresented the product with her company by claiming to have a three in one close with an VA approval. I discovered that SWBC do not offer an construction when XXXX claimed she would have to speak with another bank. 
She mislead me to believe she was the one that would process the loan and do the lot, construction and permanent loan all in one. She falsely stated that the VA loan offered only 5 % and that I would only have one close. All this turn out to be false and again SWBC do not offer construction loans. 
She violated my trust and presented false statement about the loan process and when confronted about what she did, she attempted to avoid the conversation. I presented this information to XXXX XXXX who ignored my concerns and refused to address what she stated and did. They acted in a malicious manner and refused to be truthful about what she stated but the realtor that referred her to me was on the phone when she claimed what she could do and the type of loan she would provide.

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 2018-10-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint is regarding the charge on XX/XX/18 from XXXX XXXX XXXX XXXX for {$330.00}. I disputed a portion of this charge as my reservation was for a total of {$160.00} as I booked under a qualified rate which was verified upon check in by two XXXX XXXX employees. I authorized the charges for {$160.00}. However, after my departure the hotel chose to charge me based off a different rate. After speaking with the merchant they decided to change my rate after my stay requesting I allow the hotel to make a copy of my government ID which is a federal crime. The hotel made no mention of this rate change until after I had already left the hotel which is a violation of the Visa Interchange agreement, invalidating this charge. 

Chase however only seemed to reply to my dispute with a letter requesting more information. Information which had already been provided. I'm attaching all original documents provided. Chase failed to resolve this dispute in accordance with the visa dispute and interchange agreements. I've also requested that all related documents in Chase 's investigation of this charge be sent to me for review on 2018-XXXX in writing. My previous requests while speaking with Chase dispute resolution analysts were all denied by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2018, I qualified and completed 3 Balance Transfers with US Bank MasterCard. However, the bank sent 2 of my balance transfers to the Fraud Department without notifying me as a customer. I received no email stating to contact the company, no written notification, nor did I receive a voicemail stating to contact the company due to possible fraud. When completing the 3 transactions, I fulfilled the vetting process verifying my identity as the cardholder. I was also a customer in good standing with US Bank in which I retained a credit balance on my credit card account. However, I only received written correspondence confirming 1 of my  credit card transfers was processed. I was dismayed to learn on XX/XX/18 that 2 balance transfers were never processed which caused me undue hardship. The company could not explain why the 2 balance transfers were denied and stated my only recourse was to start the process over. US Bank business practices are a disservice to consumers because the company is prequalifying, marketing and notifying cardholders of a credit line, but when the customer uses the credit line, the transactions are being denied without any form of notification. Two of my transfers were for the same credit card. However, one was processed and one was denied. Therefore, US Bank Policies are hurting consumers. If I was properly notified, I could have handled this matter accordingly. However, the company has placed the onus on the consumers which is a violation of consumer rights. The company business practices need to be investigated because they are performing false advertisements of products, qualifying consumers for the false advertised products, and then denying consumers the use of the products without proper notification. The company actions are causing consumers unnecessary fees and lowering consumers credit scores.

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 2018-10-17 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:
XXXX systemically refuse to investigate inaccurate information being placed on my credit file in error. When I attempt to dispute inaccurate information on my credit file I get the following statement " You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you canupload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us atXXXX contact the data furnisher of this information regarding your dispute. '' This is XXXX way of discouraging millions of Americans such as myself from disputing inaccurate information in their credit file. Furthermore XXXX representatives have refuse to produce and provide me with any evidence they contacted company and received any documents such as signed contracts etc that account in dispute actually belong to me. Only thing representative states is company was able to verify my name and social security number and or address. This is not valid or proper investigation. XXXX lack of investigation continues to effect me personally and damage my credit report month after month. I demand XXXX to reopen and conduct proper investigation producing evidence that account actually belong to me and that all information being reported is factual including balances and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Name of Company : AAFES Military Star Card I'm trying dispute some late payments that was placed on my credit report from XX/XX/XXXX-XX/XX/XXXX. I tried to dispute it before with my justification being that I signed for automatic payments to be made through the Star card website but then later learned that the payments weren't being made. And due to high Operational tempo and being deployed I had limited internet access to resolve this issue. 

- I have tried to dispute this multiple times with no success and on XX/XX/XXXX I even contacted the company but they were unable to help me. 

Company 's response is found below : Hello XXXX XXXX   XXXX, Thank you for contacting Exchange Credit Program. 

Regarding your credit reporting inquiry, we can only remove negative reporting, if due to an AAFES error. 

Statements are sent out monthly to the address or email address on file. It is the responsibility of the account holder to be aware of their balance and payment information, per your terms and conditions. 

Therefore, we can not remove any delinquencies from your credit report. They will be removed by the credit bureaus after a 7-10 year period from the last activity date. 

If you have any further questions, please email XXXX or contact MILITARY STAR at the phone number listed below.

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 2018-10-17 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: CA

Complaint narrative:
On multiple occasions I have requested a dispute against the count XXXX XXXX XXXX that was sold to XXXX a collections agency, I paid and settled this item And asked all credit bureaus to update This item as no longer negative But paid / Settled All the other agencies except for Experian have complied with my request to correct the issue Experian continues to leave it incorrect Showing still owing when I have sent proof That it is paid and settled Im contacting the CFPB to help me in this matter 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 non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One /Auto Finance continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.

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 2018-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2018 I was married to XXXX XXXX XXXX, the man with whom I share a Chase account and a Chase mortgage On XX/XX/18 I made an ACH deposit for a venue run by XXXX events for the rental of a cmvenue for a birthday party On XX/XX/18 I wrote a check to XXXX XXXX XXXX   for their services as actors for a murder mystery party for my best friends XXXX birthday party. The words " murder mystery party '' were in the memo. 
On XX/XX/18 I applied for a name change with the secretary of state to legally change my last name to XXXX On XX/XX/18 I tried used my Chase Sapphire Reserve card to purchase dinner, and the card was declined. I also tried to use my debit card with the same result I assumed this was related to my name change so I went to a Chase branch immediately with a copy of my marriage certificate and the receipt from the secretary of state office in an attempt to resolve the issue. The teller looked at my account info and said that the issue with my account was " above her pay grade '' and gave me a number and a case number. I called the number and was asked if this was regarding a letter that I was told I had received. I have not received a letter. I explained that I did not have a letter and I assumed this was related to the name change. 
I was told that Chase has decided to no longer do business with me. They are cancelling all of my accounts. I was told the decision is not reversible. I do not have any negative balance. I have not deposited large amounts of cash. I have not sold any points or opened any accounts. I have read through all of the possible reasons Chase could have used to close my account and none apply. The did not call me regarding any issue, so for them to just close my account was compromised preposterous. I'm certain this was just a misunderstanding relating to the murder mystery check or my name change. I really wish they would reconsider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to close my BBva checking account XX/XX/2018 I sat for twenty minutes while XXXX at the XXXX branch stared a a computer screen which was supposedly loading slow. He says he closed the account and refunded me the {$6.00} cents in the account. He then tells me he can't close the account until the pending transactions clear. The pending transactions were less than XXXX dollars. He warns me not to use the debit card and I leave. I am reading my email XX/XX/2018 that they paid a debit that I haven't had transferred yet knowing I had XXXX balance in the account. The debt was XXXX plus XXXX dollars NEF fee. I had opted out of overdraft when I got the account but they kept paying after I told them several times not to do it. I refuse to pay a debit to s closed account. I did not give them authorization to pay it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Last billing statement for account was XX/XX/2018, and account was closed by XXXX XXXX XXXX after card was reported as lost. A new card was issued and the old card was supposed to have been closed and reported as closed to all 3 credit bureaus. Instead, the new account is appears, as is the old account that was closed. I have filed several disputes with all 3 credit bureaus and the company itself to update the computer systems and the credit bureau reports but it still shows both cards and balances owed. Likewise, XXXX XXXX XXXX, each month, continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.

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 2018-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX has been contacted via letter asking for verification of debt. Ive asked on three different occasions to send contract with my signature and copy of my identification. The only reply Ive received is a letter stating they verified the debt with their client. The debt total is {$540.00} and I need to see a bill, the signature from me and copy of my identification from the day of service. This should be apart of their file and proof of my debt validation. Not just a letter stating its been verified.

Company response to consumer: Closed with explanation