vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XX/XX/XXXX : Merchant " XXXX XXXX '' charged correct amount of {$400.00} for " moving service ''. The merchant then continued to manually charge my credit card number without authorization for additional {$400.00} on XX/XX/XXXX and again {$400.00} on XX/XX/XXXX. I contacted the merchant multiple times and could not get a response. I contacted Chase credit card Fraud service and went through the fraud steps -- submitting a letter and text message documentation supporting my argument. Chase reviewed my documentation and refunded my fraud charge. Then the merchant " XXXX XXXX '' responded to chase without documentation and Chase Bank went back on their decision and charged my account an additional {$400.00}. I tried working with them further but received no help. I cancelled my credit card and changed banks because further issues occurred where Chase was withholding my other funds without reason. Over 6 months after cancelling, I received late bills from this credit card. I called to resolve and got some of the late fees taken care of but not all. I just received a letter that my credit score has been negatively affected by this fraud charge and incurred late charges due to the incompetence of the credit card service not shutting my card off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-01-23 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: NV

Complaint narrative:
On XXXX at XXXX XXXX Equifax received a dispute on my behalf in regards to several accounts reporting on my credit file that was established due to identity fraud. The tracking number of the certified receipt is ( XXXX ). I was sure to also include a copy of my driver 's license, social security number, and date of birth with my dispute. Despite my efforts and I have yet to receive any correspondence regarding my dispute initiated with Equifax. On XXXX at XXXX XXXX, another dispute letter was received by Equifax on my behalf regarding the same accounts that were established due to identity fraud that are currently reporting on my Equifax credit report. Along with those letters I also included a copy of my driver 's license, date of birth, and social security number as well. Equifax recently sent my letter stating they were unable to locate a credit file with the information that was provided. The letter states that I need to provide my name, current address, date of birth, and social security number. I find this totally unacceptable since I already provided that same information on both dispute letters that I sent. In addition, Equifax is in violation of the Fair Credit Reporting by failing to respond to my initial dispute within the 30-45 days  allotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: NV

Complaint narrative:
constant incessant us mail solicitation have told discover card NUMEROUS times to cease and desist any and all solicitations. 
But they continue and continue and continue and I am XXXX XXXX OF IT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since Im XXXX XXXX XXXX XXXX and on heavy medication, my memory is not up to par however about 1 1/2 years ago, I received a signed by a XXXX County judge judgement t in favor of XXXX in the amount of {$1300.00}. I was shocked because I was never made aware I had a court appointment. This was done behind my back without my knowledge. Then every 4-6 months, Id receive the same letter. Then, yesterday, my bank, XXXX emailed me that a legal hold was placed on my account. After talking to XXXX, they told me that since I am direct deposit SSI that  my funds are protected but they took my XXXX year old daughters money from her high school checking account. She works 2-3 hours most days and had {$110.00} dollars. I called XXXX a d they said this was an old capital one credit card for {$500.00} but they now are representing Capitol One and they need {$2000.00} to release the lien on my bank account. I explained this judgement was done behind my back and it actually was fir {$1300.00} and he said now more attorneys fees added to it and they will continue to take my XXXX year olds money until I pay. The other option is that he will release the lien if I pay {$1500.00} up front. I told him I only have {$940.00} per month on SSI and my rent is {$870.00}. I ha e to rely on family to help me survive.I get food at food closets. I have no car. Im extremely poor. I need your help please. This is an outrage that XXXX are getting away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I was charged {$26.00} for credit monitoring when I requested my credit report from Experian on XX/XX/2020, I was given the impression that my credit card would not be charged and that they only needed a credit card for verification of identity. I did this request from Experians website and only requested a credit report not monitoring. There was no confirmation email about being charged for a membership and I didn't notice the charged until I looked at my bank account on XX/XX/2020. I never checked any box for a Experian CreditWorks Premium membership. I called Experian and was told that they don't refund memberships. I understand that its only a {$26.00} charge but Experian needs to be clear as to what they are doing with the credit card info and not trying to charged consumers for services they did not request. Consumers need to be able to trust a credit bureau they are suppose to be neutral and honest.

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 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is violating the Truth and Lending act and has not sufficiently established that it is the owner of the alleged debt The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached a letter to have this debt verified on my verification letter dated XX/XX/2020, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: FL

Complaint narrative:
I have been trying to get information corrected on my credit bureau report with Transunion and XXXX. XXXX XXXX of XXXX Texas are reporting a medical bill dating back to XXXX of 2014 as a new account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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: CA

Complaint narrative:
Equifax is not returning my credit score to the original score of XXXX from XXXX they bumped it to XXXX big deal. This incident was all created by XXXX  XXXX credit card XXXX. I had an agreement with XXXX  XXXX that there would never be any service charge of any kind for this card. Then they created a charge without my knowledge wich I was only brought aware of after the credit agency contaced me and said theres a late charge on your credit. I called XXXX  XXXX several times and they admitted fault and agreed to cancel the account. Then I rechecked the account and it once again says I owe like XXXX. this company is forcing me to pay for something I canceled several times while in the process has damaged my credit score. I am sick and tired of dealing with these fraudulent people Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
THE DISPUTED INQUIRIES LISTED ARE DUE FOR REMOVAL OFF 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 non-monetary relief
Consumer complaint received 2020-01-23 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:
There are 2 issues first of all I have contacted Equifax on 3 separate occasions via certified mail informing them that I have never lived at XXXX XXXX XXXX XXXX pa XXXX. They send me back a report stating they removed it but when I logged into my account it still shows up on my credit file. 
the second issue is that i have several inquiries on my credit file that I never authorized I have tried to contact all 3 credit bureaus but get the run around get them removed i never authorized these and i have a ftc identity theft report showing iam victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A phone call purporting to be Chase telling me they could lower my interest on my credit card. I do not have a Chase card. the number that was used is XXXX. They have been calling form XXXX -xxxx varied numbers for over a week now and my number is on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested a free annual credit report from Equifax. I had requested a report last year under the same address. Equifax had obviously failed to update my current address. Therefore, they requested that I fax them yet AGAIN my identity information. The fax process is outdated. This is XX/XX/2020. They were unable to provide me an up to date technical resolution process Furthermore, Equifax requested answers to questions related to my credit report. NONE of those questions related to my current credit status. I can only assume that Equifax is not processing my consumer credit information properly. In additon, they are requiring me to correct their mistakes. Absolutely, unfair to the consumer. In addition, XXXX  had my information fully updated and was able to handle any questions I had within a reasonable amount of time ( 30 minutes ) and process my report. In conclusion, if Equifax is to provide credit reporting services, they should obviously be as accurate and accessible as any other credit reporting service. Please help all of us consumers with these issues. Thank you for hearing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: TX

Complaint narrative:
Company repeatedly calls and does not leave a voicemail. When calls are answered, calls are disconnected without any communication. 

I was finally able to return a call on XXXX and advised the agent to suspend communications for 6 months. They called me back later that day, again, call was disconnected with no communication. 

Company tends to call 3-4 times a day. 

This has been going on since XXXX. 

They are also calling from 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 2020-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MS

Complaint narrative:
In XX/XX/XXXX, I completed a loan consolidation for my all of my student loans with XXXX and Fed Loan. I completed this consolidation application because Fed Loan was refusing to give me Forbearance on my loans and they were getting further and further delinquency days added. 
I called Fed Loan again on XX/XX/XXXX to check the status of the consolidation loan and I was told it would take up to 7-10 more business days before they could give me an administrative forbearance to stop the delinquency on my account. 
I called back today, XX/XX/XXXX, to check the status of the administrative forbearance and again was told in my take another 10 business days. 
I explained to the representative that my delinquency days were now at 77 and 10 more days will get me very close to 90 days and I do not want a negative mark placed on my credit file. The representative stated there was nothing she could do and I would just have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
Good Morning, Reached out to XXXX XXXX  DBA XXXX , Company shows missed payment for the month of XXXX. I made 2 Payments beginning and end of XXXX to assure there was no missed payments, XX/XX/XXXX I made an additional payment of XXXX $ before closing of bill which is XX/XX/XXXX. 

On XX/XX/XXXX company reported missed payment. However payments were made. I called today the XXXX for the representative to state the payments wont be reflected until XXXX because payments werent made however, attached is a screenshot of all payments made and dates. 

This company is hurting my credit score and  inaccurately reporting a missed payment please update my account to reflect XXXX payment as on time and reflect correct Available balance. The XXXX still owing is inaccurate I only owe XXXX - Thanks again.

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 2020-01-23 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:
Good Morning, Reached out to XXXX XXXX XXXX XXXX , XXXX shows missed payment for the month of XXXX. I made 2 Payments beginning and end of XXXX to assure there was no missed payments, XX/XX/XXXX I made an additional payment of XXXX $ before closing of bill which is XX/XX/XXXX. 

On XX/XX/XXXX company reported missed payment. However payments were made. I called today the XXXX for the representative to state the payments wont be reflected until XXXX because payments werent made however, attached is a screenshot of all payments made and dates. 

This company is hurting my credit score and inaccurately reporting a missed payment please update my account to reflect XXXX payment as on time and reflect correct Available balance. The XXXX still owing is inaccurate I only owe XXXX - Thanks again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
Good Morning, Reached out to XXXX XXXX  XXXX XXXX , Company shows missed payment for the month of XXXX. I made 2 Payments beginning and end of XXXX to assure there was no missed payments, XX/XX/XXXX I made an additional payment of XXXX $ before closing of bill which is XX/XX/XXXX. 

On XX/XX/XXXX company reported missed payment. However payments were made. I called today the XXXX for the representative to state the payments wont be reflected until XXXX because payments werent made however, attached is a screenshot of all payments made and dates. 

This company is hurting my credit score and inaccurately reporting a missed payment please update my account to reflect XXXX payment as on time and reflect correct Available balance. The XXXX still owing is inaccurate I only owe XXXX - Thanks again.

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 2020-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: DISCOVER BANK
State: CA

Complaint narrative:
I receive no less than 4 calls a day from Discover Card, which is disruptive to me and is harassing. I receive these calls starting at XXXX every day of the work week

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Since XX/XX/XXXXof 2019, I have sent several certified dispute letters to the Transunion consumer reporting agency in regard to several ; accounts reporting on my credit file that was opened due to identity theft. Transunion has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act. In addition, Transunion has failed to place a block as per the FCRA Section 605b in regard to the fraudulent items that are in question. On XX/XX/XXXX at   XXXX XXXX tracking ( XXXX ) was one of several letters received from Transunion on my behalf. It has been 6 months and Transunion still has yet to provide any supporting correspondence or documentation in regard to any on the dispute letters they received on my behalf.

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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
THE DISPUTED INQUIRIES LISTED ARE DUE FOR REMOVAL OFF 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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
THE DISPUTED INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation