vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I checked my credit using XXXX on XX/XX/XXXX and noticed that there were opened and closed accounts, collections, and inquiries on my credit profile that I did not authorize and have no knowledge of how they got there. 

XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$9900.00} JPMCB Card Acct # XXXX opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX   XXXX Acct # XXXX opened : XXXX XXXX Balance : {$0.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$9600.00} JPMCB HL Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$10000.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX   Acct # XXXX opened : XXXX XXXX Balance : {$2500.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX  XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX/ XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

1. XXXX XXXX XXXX with ACCT # XXXX XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: PA

Complaint narrative:
XXXX XXXX  improperly reported the following lates XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX 120 Day Late,XX/XX/XXXX120 Day Late. Needs to reflect on time payments

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 2019-11-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax, XXXX, and XXXX XXXX will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report Balance : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: PA

Complaint narrative:
XXXX XXXX  improperly reported the following latesXX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX120 Day Late. Needs to reflect on time payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 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: PA

Complaint narrative:
XXXX XXXX  improperly reported the following latesXX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX120 Day Late,XX/XX/XXXX 120 Day Late. Needs to reflect on time payments

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 2019-11-27 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: TX

Complaint narrative:
XXXX acquired auto installment loan from XXXX XXXX XXXX  XXXX TEXAS-LOAN OFFICER XXXX XXXX XXXX, LOAN NUMBER XXXX, PRINCIPAL {$16000.00}, XXXX XXXX XXXX XXXX, XXXX XXXX I CONTACTED XXXX XXXX XXXX LOAN OFFICER XXXX XXXX XXXX ABOUT ANOTHER AUTO INSTALLMENT LOAN XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX GA, XXXX XXXX PAID OFF THE XXXX XXXX XXXX XXXX  REMAINDER BALANCE BUT XXXX XXXX XXXX   NEVER POSTED THIS ON EXPERIAN CREDIT FILE, I CONTACTED XXXX XXXX CREDIT REPORTING DEPT WITH NO POSITIVE RESULTS, XX/XX/XXXX I CONTACTED XXXX  FILED A REPORT, XX/XX/XXXX THE SENIOR VICE PRESIDENT XXXX XXXX XXXX Senior Vice President XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX P : ( XXXX ) XXXX C : ( XXXX ) XXXX XXXX XXXX assured me this matter will be fixed before the next credit report, XXXX XXXX I went on FREE CREDIT REPORT uploaded a copy of the XXXX XXXX XXXX  XXXX XXXX XXXX  payoff loan document,, XXXX I CONTACTED EXPERIAN REP XXXX PHONE NUMBER XXXX, XXXX tells me to call him back with the loan number and he will take care of this problem,XXXX XXXX XXXX  I called Experian Rep XXXX to give him the Loan info Then XXXX tells me he cant help me, XXXX tells me XXXX XXXX XXXX  has to send the information..I contacted XXXX XXXX XXXX XXXX XXXX   credit reporting officer XXXX XXXX phone number XXXX..Mr XXXX XXXX me XXXX he sent in the trade line to Experian credit reporting agency..XXXX Mr XXXX XXXX said he contacted Experian corporate office in Illinois and spoke to the Experian main office then Mr XXXX tells me he will call me Today XXXX Mr XXXX did not call me Today it is XXXX XXXX The XXXX XXXX XXXX XXXX has NOT POSTED ON 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 non-monetary relief
Consumer complaint received 2019-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX, XXXX, and Trans Union will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report XXXX : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX  Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 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 2019-11-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX, Experian, and XXXX XXXX will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report Balance : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX  Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 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 2019-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Previously I had filed a CFPB compliant on this debt through from XXXX XXXX # XXXX that was originally a fraud more than 10 years ago that was sold to XXXX XXXX XXXX when I filed the compliant with the CFPB. XXXX XXXX XXXX and XXXX XXXX sent a letter apologizing for trying to collect on a fraud and making promises that the debt would no longer arise under my name. Now here they sold to another company to avoid legal ramifications for harrassment on a fraud over 10 years ago and dismissed. 

Now again they sold the debt to Convergent Outsourcing , Inc., act # XXXX and XXXX XXXX, XXXX act # XXXX as I received a letter harrasing me for a fraudelent debt over 10 years ago that has been dismissed multitple times. Please punish these forms and banks that sell the debts to collection agencies to avoid penalty and legal ramifications. Please file a class action suit against these forms for harrassment on debts previously dismissed and resolved over 10 years agoe

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 2019-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I called and let them know I was having problems ask for payment arrangements that all I can afford is XXXX they agreed they called so I returned call and try to explain to them that I am on payment arrangement and that I was having problems and ask them not to call but and the lady hung up on me now they keep haressing me

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 2019-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I sent in a final payment of over {$2700.00} on XX/XX/XXXX by certified mail. They received it XX/XX/XXXX. I called XX/XX/XXXX. I was told I sent it to the wrong address, but they cashed the check. It will take 4-6 weeks for me to get my money back. In the meantime, they want me to make another payment that I won't see again. But they will " give me 90 days before they report me to a credit company. '' Really? I made a huge payment. They cashed it but aren't applying it to my account. Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AR

Complaint narrative:
A debt for security credit services ( XXXX XXXX XXXX ) for the amount of {$8300.00} was sent to collections. My husband signed for a tractor and his mother XXXX XXXX co signed for him. My name is no where on the contract but it is showing on my credit report. I am unsure the dates but it was purchased around XXXX  or XXXX.. I would like for this to be removed for my report since I have to legal ties to this. I have filed a dispute with other creditors and it was removed. 
Email XXXX Phone number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USI Solutions Inc.
State: CA

Complaint narrative:
Previously I had filed a CFPB compliant on this debt through from XXXX XXXX # XXXX that was originally a fraud more than 10 years ago that was sold to XXXX XXXX XXXX when I filed the compliant with the CFPB. XXXX XXXX XXXX and XXXX XXXX sent a letter apologizing for trying to collect on a fraud and making promises that the debt would no longer arise under my name. Now here they sold to another company to avoid legal ramifications for harrassment on a fraud over 10 years ago and dismissed. 

Now again they sold the debt to XXXX XXXX XXXX XXXX, act # XXXX and USI Solutions, Inc act # XXXX as I received a letter harrasing me for a fraudelent debt over 10 years ago that has been dismissed multitple times. Please punish these forms and banks that sell the debts to collection agencies to avoid penalty and legal ramifications. Please file a class action suit against these forms for harrassment on debts previously dismissed and resolved over 10 years agoe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Online I notified the Bank of America that there was a fraudulent charge on my card I didnt realize that I was also asking the Bank of America to close my account resulting in the loss of my earned points

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 2019-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I am making a complaint against this company because they are refusing to remove this collection that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting with XXXX. Remove this item from my credit report ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: OH

Complaint narrative:
Equifax breach. There are discrepancy in my report that is still there and Equifax doesn't do anything about it. In resulting in my accounts are being closed and I can't pay bills. XXXX credit card is one of them. It stated to XXXX last month that they closed account yet when I got Equifax report over the past weekend it states I closed the account and they are adding charges to card that I did not authorize. XXXX is another one. XXXX told me that Equifax closed my account for too many open new accounts. This is untrue. I never opened new accounts yet did not receive any cards. Then XXXX counterdict by saying I made payments that I never authorized. Equifax is telling these companies of new accounts that I did not open yet received any cards, making companies close my account and destroy my credit. I also received an email from business consumer alliance stating they tried to reach out to XXXX and XXXX never responded to their inquiry twice not once but twice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
As I can remember I had a court order documentation to order by the Judge to have my son XXXX  evaluated. They authorizes picked him and took him to the hospital. I should not be responsible for the debt. Plus I never go a bill regarding this matter sent to me to get a head start complain about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have been a member of m and t bank for a while. I was recently charged several XXXX dollars in overdraft fees for purchases on this account. I understand that the funds were not available in my account for the transactions, but I don't think its fair or in the best interest of the consumer to have the fees far surpass the amounts of the purchases. for example I was charged a {$38.00} fee for XXXX, but the amount for the subscription was only {$12.00}. there was a {$38.00} fee for XXXX XXXX, but the purchase was only {$13.00}. I got gas at XXXX XXXX for {$10.00}, and {$5.00}, but was charged a {$38.00} for both of those transactions. when I called the bank to see if there could be any reversals they reversed three of the fees which at that time totaled approximately {$240.00}. She also recommended that I turn off the option to not have transactions post if the funds are not available. a day later I received more fees-although I had not used my card for transactions or made any purchases. I had automatic withdrawals set up that were debited from my account which caused four more overdraft fees in the amount of {$38.00}. I called the bank once again this morning to see what could be done since the fees totaled almost {$400.00}. they removed two more. I feel like this financial institution waits to post charges so that they can intentionally acquire overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I called Citibank for a replacement card because my dog chewed it.. They say there is an error message stating no phone number to verify, tild me to contact XXXX. XXXX  says theres no problem on their end. Neither side will communicate with the other and I'm stuck in the middle.

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 2019-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I just got notification from my credit report that I had a " NEW '' collections from a company called " I.C. System, INC added to my account. When I looked at the detail it was for a company I spoke to last week because I received a letter from them in the mail that I owed them money. When I called I was told it was for an old debt with XXXX XXXX XXXX from years ago. I asked them to send me information to validate this debt because I do not owe XXXX XXXX XXXX any money and I do not have anything validating the debt and now its on my credit report? I do not owe XXXX XXXX XXXX any money as I spoke to them on the same day of that phone call and spoke to their customer service representative on XX/XX/21 that told me I not owe them anything. I have her customer ID written down at work if it is needed. Now, back years ago I was an XXXX XXXX XXXX customer and they were running a promotion to switch to their XXXX XXXX side so I did. I had an issue after this promotion that they were attempting to collect a balance on which was incorrect since I was still a paying XXXX XXXX  XXXX XXXX customer. I spoke to them/wrote a letter which I assume they still have all on file and it was all taken care of and I never heard of anything again because I had been a continuous customer for years of XXXX XXXX XXXX XXXX customer until actually just recent when I am in the process of moving. This company is attempting to collect a debt that is not valid and is fraud.

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