vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date:XX/XX/XXXX Im a visiting student of University XXXX XXXX , XXXX XXXX and I will go back to XXXX after this month. So I go to the XXXX branch bank of XXXX to cancel my XXXX account and withdraw my money ( {$1800.00} ) in my account on XX/XX/XXXX ( Please see the attachment 1 and 2, 1 is the receipt and 2 is the teller give me that day ). The manager of the Chase branch bank helped me cancel my bank account and let a teller ( a girl ) of this bank withdraw my money for me. The teller gave me {$1800.00} ( 18 {$100.00} notes ( in which there are 13 new version and 5 old version ) and 1 {$1.00} note and XXXX coins ). Later I gave the cash ( {$1700.00} ) to my roommate to help me pay the bill of my debit card ( the attachment 3 is the other {$100.00} note ( it is a new version ) I kept for myself ). When my roommate deposited the money, he found that 5 {$100.00} notes ( the 5 old version ) can not be deposited. He go to ask the teller and be told that the 5 {$100.00} notes were counterfeit. The teller and manager took the 5 {$100.00} notes and gave me some counterfeit note reports ( please see the attachments 4-8 ). I wanted to see the camera video of the chase bank to prove all the counterfeit came from the branch bank, but they refused. I also have the receipt in which there are the date, the amount, the transaction No., the session No. and cashbox No.. The manager of the Chase branch bank of XXXX just said they can not do nothing except the counterfeit note reports. 
I can not believe why I withdraw counterfeit from a formal bank. I dont know what I can do to get my money back. Im wondering if you can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I opened a BMO Smart Advantage checking account at BMO Harris on XX/XX/XXXX.  When I signed up I used the promotion code to receive a {$200.00} bonus for opening the account after making two $ XXXX direct deposits withing 90 days. I sucessfully met these requirements after a direct deposit of {$300.00} on XX/XX/XXXX and another {$300.00} direct deposit on XX/XX/XXXX.
On XX/XX/XXXX ( after not receiving the bonus yet ) I contacted BMO Harris about the status of my bonus and was told that I did not qualify for the bonus because I do not live in one of the targeted states as part of the promotion. The issue with this is that when I signed up for the promotion there were no state requirements, this has only been recently added. Due to this I still deserve the {$200.00} bonus.
Thanks for your help!

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 2017-10-06 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: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, JH Portfolio collection appeared on my XXXX credit report for the first time. I have disputed with XXXX on XX/XX/XXXX and XX/XX/XXXX and informed this collection from JH Portfolio collection account was reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. JH Portfolio has also aged the account to XX/XX/XXXX on my file for a date prior than when it originally appeared on my credit file. The J/H Portfolio collection account is NOT my account and I request that it be deleted from 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 2017-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: STERLING JEWELERS, INC.
State: HI

Complaint narrative:
Alleged company use scare tactics to threaten me to pay. Funny thing is it used a fake social number and name that not even mine yet still claim I MUST pay. That 's clearly identity theft written out. Name spelt way off and Ssn number used is off. That 's clear identity theft. They ripping off me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On XXXX, XXXX XXXX appeared on my credit file. I disputed this collection account with Equifax on XXXX and XXXX I have contacted Equifax in reference to a collection from XXXX XXXX collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. I currently have service with the " original creditor '' that is supposed to be collecting for the debt. I do not owe the original creditor.as I would not currently service with them. I have contacted XXXX XXXX on several occasions as well to validate this debt was mine. I have received nothing from XXXX XXXX except excessive harassing phone calls on a daily basis to my cellular phone. Equifax keeps stating that this debt has been verified however, I am unsure how this could be when Equifax has incorrect information listed in my credit file for my date of birth. The XXXX XXXX collection account is NOT my account and I request that it be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HARRIS, KLEIN ASSOCIATIES, INC.
State: CA

Complaint narrative:
A company by the name of Harris, Klein Associates, Inc called me stating that a flight that I took back in XXXX 2017 with XXXX was not valid because the credit card was declined. They told me I owed more than double the cost of the flight. I could n't find much information regarding the company, only that they had a website but no reviews and they are not accredited with BBB. They are saying that me and my girlfriend owe {$460.00} each for flights that were only {$600.00} total to begin with. I do n't feel this is valid but wanted to confirm this is valid. 

The company is located at XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX or ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit Card.

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 2017-10-06 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: NY

Complaint narrative:
I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor capital XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXXXXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit Card.

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 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NM

Complaint narrative:
XXXX XXXX XXXX is alleging that I have an outstanding balance of {$3800.00} to medical providers for services rendered to me in the year of XXXX. Just to give you a quick background of this company. In XXXX ( if memory serves me correctly ) I contacted XXXX to settle a debit from a medical provider that alleged to have rendered medical treatments. At the time I was trying to clear all debts that was posted to the credit bureaus to obtain a government security clearance. I went ahead and paid off the debt. After settling the debt and receiving a clearance letter, it was discovered that the medical treatment was given to my daughter. At the time of service provided, my daughter was of legal age to settle her debts. My daughter did not have medical insurance and because previous records had her as a minor the provider billed me. Recently a mortgage lender provided me and my wife with an updated credit report, I again was surprised to see XXXX posted to the credit bureaus ( actually just XXXX ) a delinquent account. I contacted XXXX and disputed this account and sent in supporting documents showing I did not receive any treatment from the creditor. XXXX wrote me back and stated they notified XXXX of the dispute. They also said XXXX had 30-45 days to prove I am the account holder. Yesterday, I received a letter from XXXX stating they had confirmed the outstanding balance and listed 3 creditors ( see attached letter ). I wrote a responding letter to XXXX and again provided more detailed supporting documents to prove my claim. I am at my wits end with this company. They refuse to delete the accounts from my credit report. Is there anything more I can do? I have worked very hard to clear off every debit Ive owed. But I will not be bullied into paying this company another penny! Im very meticulous when it comes to my paperwork. Thanks for your help.

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 2017-10-06 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: NY

Complaint narrative:
I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor XXXX XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.

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 2017-10-06 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: NY

Complaint narrative:
I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor XXXX XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.

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 2017-10-06 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: AZ

Complaint narrative:
I sold a XXXX solar system to a client for {$32000.00} paid in two separate installments of {$17000.00} and {$15000.00} using XXXX as the purchase intermediary and payment processor. Prior to delivery of the equipment and completely unbeknownst to me ; the buyer requested a credit card chargeback of the {$15000.00} payment and yet still took delivery of the equipment! That is out and out fraud. 

I was never aware of the charge back request at any time until a week AFTER the customer took delivery and signed off as accepting the merchandise in perfect condition. Once I was made aware of the issue by XXXX, I contacted the customer and informed them that I was bringing legal action against him for fraud. He attempted to portray that entire incident as his bank 's fault and " a big misunderstanding. '' He informed me that he had contacted Chase Bank and they were processing the reversal of his charge back request. 

I have been completely shut down in my business due to this incident that is entirely outside of my control. I did exactly as I agreed to do and I delivered the merchandise in perfect condition. I have other cash payments and other customers that have had their purchases halted because XXXX has frozen all of my accounts while waiting for confirmation of the reversal of the credit card chargeback request. I have been told that it could be 2-3 MONTHS before Chase Bank and XXXX process the reversal and allow me access to my own money!!! 

That is not fair, and most likely not even legal and adhering to current banking laws. In the 21st century, when financial institutions can authorize and send money anywhere in the world in a fraction of a second ... they should be able to REVERSE a transaction quite easily. They should not be allowed to freeze a small business owners accounts and put them out of business while they take their sweet time to process the reversal of a charge back request. I am requesting that the federal government get involved to address these arcane, patently unfair and totally outdated financial institution practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
A bank representative opened multiple accounts for me when I started a small business. She opened a business checking, another checking account she stated was to be a " tax '' account and a business credit card. I informed the representative that I would not be making much money the first year so I was n't sure if I needed the " tax '' account but she opened it up for me anyway taking her advise and trusting her. I had under {$300.00} in that " tax '' account as well as the main checking account. Before I knew it, I was being charged {$40.00} " processing fees '' in the accounts. I would speak to the representative that opened the accounts for me about these fees. She would reverse the charges, and said that she would stop these fees. In the end, XXXX about a year later XXXX She was transferred to another bank, the fees continued, she never answered calls from me or other tellers at the bank that were calling for me. Ive closed all my accounts and now my credit card is charging nearly {$200.00} in interest fees every month. I feel as though US Bank must have given incentives to employees for opening accounts and all the fees are making thousands of dollars from their customers. i primarily bank with XXXX XXXX XXXX and I never have these types of issues. They are taking my money and Im in a trap. I will have to borrow money to pay off the account completely before I end up owing thousands more.

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 monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
I was requesting a pre-approval letter from XXXX XXXX, Branch Manager of XXXX XXXX XXXX of Fairway Independent Mortgage corporation, and, on XXXX/XXXX/XXXX, I texted to him that I did Not want my credit report pulled for it. He agreed, and sent me a pre-approval form to complete. A couple days later, I received a call from an assistant or staff member of his indicating that my credit report was pulled, as well as my wife 's! I immediately notified her and XXXX XXXX to retract the credit pulls and he notified me that they may not be able to because they go through a separate company to pull the records. I last texted him regading this on XXXX/XXXX/XXXX and he said that he was still waiting on if the inquiry could be removed. Since then, I have not heard back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/17 while trying to put down a {$200.00} deposit for my daughters XXXX birthday I was told that my card was declined. I called XXXX XXXX only to be rudely told that all of my accounts with them had been closed and that I would have to wait for a letter in the mail to find out why. I have never missed a payment in fact I make multiple payments a month. I would like all of my XXXX accounts restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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 sent a certified letter to Experian, regarding the inquiries on my credit report, asking them to investigate the inquiries that were not authorized. The XXXX tracking number is XXXX XXXX XXXX XXXX XXXX. I received an updated credit report back from Experian stating they were only able to remove a few of the inquiries and that I was responsible for disputing the rest of the inquiries with the creditor who pulled my report. I then called Experian and advised them that based on the FCRA, they are suppose to investigate any inaccuracies on my credit report. The representative then advised me that they can not dispute inquiries because inquiries are factual and that the consumers responsible for disputing the inaccuracies and providing them with the outcome. I then asked the representative if she could tell me where I could go to read about the information she was giving me. The representative stated she did not know where I could go to read about the information she was giving to me. I told her that she should know and educate herself on what she 's telling the consumer because she could be incorrect. The representative advised me that I would have to send every creditor a certified letter disputing the inquiry. I asked her if she was aware of how much it cost to send over XXXX certified letters. I also tried contacting the creditors who pulled my credit report and everyone of them told me I have to go through my credit bureau to dispute the inaccuracies. I am so confused and frustrated with theses credit bureaus not wanting to help the consumers.

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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1. Everything I apply for personal loans and credit cards TransUnion is saying my credit score is XXXX when it is a XXXX and Im being denied credit for that reason is there anyway that can be fixed other credit report consumer are saying different. 
2. I never leaved at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca 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