vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 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: NY

Complaint narrative:
The date of the late payment is XX/XX/2018 where I am marked for a 90 day late payment. I have never missed a late payment and XXXX has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with Experian they refuse to honor the holder of the loan DEPT OF EDUCATIONXXXX where I have not missed a late payment and refuse to give me a reason or response as to why this 90 day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this 90 day late payment from both XXXX and Experian removed that I did not do!

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 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: IL

Complaint narrative:
Client Services INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. Has been sending me a Collection notice with balance {$2600.00} The credit has been reported as a pass due balance. I dont know this company. I never had done any business with this company.This company doesnt have a contract or signature of mines.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: PA

Complaint narrative:
Was contacted by American Coradius International LLC claiming I owed {$490.00} to XXXX XXXX. I have verified with XXXX I do not owe, nor have I ever owed this balance. The company offered a settlement to stop collection. After a bit of research online, it appears they do this regularly to scam people out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: GA

Complaint narrative:
Dear CFPB, I am the owner of a XXXX XXXX in the state of Georgia. I am in dire need of refinancing to be able to keep my business alive. Upon checking my credit report I saw that there are late payments on some credit cards on my profile. These late payments are not accurate as I have not been late. I have managed my credit for well over XXXX years and I am hurt to see that these late payments have been so detrimental to my credit score. 

I ask that you please enforce the bureaus to do a through check of the information that so that these late payments can be updated as accurate. This is a billing error and a violation of US 15 1666B. XXXX XXXX continues to report closed collections on my profile as well. These should not be there and I demand that they are removed immediately. 

I will be attaching my dispute letters and my information to identify that it is me who is requesting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Was contacted by XXXX XXXX XXXX XXXX claiming I owed {$490.00} to PayPal Inc. I have verified with PayPal I do not owe, nor have I ever owed this balance. The company offered a settlement to stop collection. After a bit of research online, it appears they do this regularly to scam people out of money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have sent debt validation letters and dispute letters to PORTFOLIO RC and all XXXX credit bureaus in regard to a debt in the amount of {$440.00}. They are reporting inaccurate information on my credit report. The last active is off by a year between all three bureaus. According to XXXX XXXX XXXX XXXX a consumer has the right to dispute inaccurate information found on their credit report. The bureaus have only responded saying the account is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I was on the phone with a Bank of America representative win {$5000.00} was transferred out of my account she immediately made a claim and said it takes XXXX days pray decision I called every other day to check on the claim many times it was lost they can not find it so then on XX/XX/XXXX a new claim was made but then I spoke with a supervisor and she found my old claim it has been XXXX days with no letter or contact from the bank.

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 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR

Complaint narrative:
My name is XXXX XXXX, my complaint ID number is XXXX. And my complaint is with select portfolio service, mortgage company earlier this year I was approved for a hardship loan around XXXX or XX/XX/XXXX. And They took the loan back because I was XXXX days late to get a paper signed and returned to them, I told them that I was in the hospital is the reason why, I couldn't help that I had to go into the hospital I have XXXX and they are trying to force me to redo all the paperwork I really need help. Iam truly having hardship, every since XX/XX/XXXX work had slowed down for me and it made life very hard because of XXXX, whoever this complaint please have mercy, if you only knew what it is like to be living in fear uncertainty sleeplessness

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the accounts listed below still remain on my credit report in violation of XXXX XXXX. XXXX has failed to comply with air XXXX XXXX XXXX, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if XXXX investigated properly before posting derogatory information. Please delete the following accounts : ( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the accounts listed below still remain on my credit report inviolation of XXXX XXXX. Equifax has failed to comply with Fair Credit Reporting Act, XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if Equifax investigated properly before posting derogatory information. Please delete the following accounts : ( XXXX, XXXX XXXX, XXXX OF XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Risecredit, LLC
State: TN

Complaint narrative:
Loan was charged off on XX/XX/XXXX. On XX/XX/XXXX settlement agreement was signed. Payments were paid until agreement paid. Company. Did not adhere to agreement and was continuously inaccurately reporting account to XXXX stating that the were. Due to a recent complaint to CFPB complaint XXXX number. They changed the report to reflect late payments from XX/XX/XXXX until XX/XX/XXXX. Payments under a settlement contract are contracted payment amount. FromXXXX until XX/XX/XXXX payments were being made each month on time by settlement contract. Due to continued inaccurate payment reporting and failure to comply with settlement agreement on how to report this account should me removed. I have also been accrued monetary lost due the inaccurate credit reporting due its affect on my credit score due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax Credit Bureau 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. PLEASE DELETE THE ACCOUNT BELOW : ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I received a notice today via my Chime app as it logged me out that my account was closed. I have received no true and valid information on why my account was closed after a direct deposit in which I consistently receive was made. I disputed an atm charge from XX/XX/2021 in which chime closed in XXXX days without reaching out to the atm merchant to open a dispute on my behalf to see what actually happen with the transaction. Other banks would never. They would file a dispute and investigate the dispute. I thought disputes take any where from XXXX days. Many of the people working customer service is very difficult to understand their speaking as they have foreign accents and then consistently they have no one to speak to as they advise you to email them and the email department for them is horrible. Lack of compassion for their customers, as well as lack of solid information for customers when they have an issue. That online bank needs to be investigated and closed as they await for people 's deposits to come in and then they decide to close the account therefore holding the customers money for an amount of time before the customers can access their hard owned funds. Its inconsiderate and a inconvenience to the customer in which they don't care. Then as I have spoken to other customers of Chime they have stated that they have had the same issue with the company. Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX XXXX XXXX Balance Owed : {$500.00} XXXX  XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX Balance Owed : {$1300.00} XXXX XXXX Owed : {$160.00} Date Opened : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A fraudulent wire transfer had occurred on XX/XX/2021 of {$60000.00} to a recipient that I do not know in XXXX, Florida. I can provide more information upon request. I did NOT authorize this wire transfer nor do I know the recipient. I believe that my online banking account has been compromised and that money was wired from my account without my knowledge. I was first notified by my father of the fraudulent wire transfer and immediately contacted Chase Fraud Claims to stop the wire transfer and to try and freeze my account. Claim REF # XXXX. The next morning, I went to my local Chase bank to fill and submit the requested Forgery Packet for my claim. I was told by the bank teller that there was still ongoing activity of a {$20000.00} money transfer from a family joint account and an attempt to wire another {$30000.00} from my personal account of which was blocked due to the account being frozen. I called Chase Fraud Claims again to notify them of the unauthorized transfer I have since changed all my online banking information and filed a police report with XXXX XXXX Police ( Report # XXXX ) in hopes to stop all activity and protect my identity. The fraudulent wire transfer needs to be reversed as it was NOT authorized and should have been flagged due to limits on the account. I have never wired money from this account and this is an act of wire fraud. I have followed all instructions and cooperated with Chase by filing an affidavit, notary, and police report to progress the investigation. Each notice that was sent to me, I always contacted Chase in a prompt and timely manner. This was after I called several times to follow up, but they would never update me. After finally getting an update, Chase deemed that the " wire recall '' was unsuccessful, and that they can not get my money back. They have tried this attempt a few times. This should have been done the day of, not several weeks after the fradulent transfer. I never received a temporary credit to my account while this investigation was ongoing. I was told by Chase that this would be resolved in 5 business days, yet I was never updated at all. Please feel free to reach out if you need any further information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
After careful investigations on my part and with the help of law enforcement it has been revealed that XXXX in the fraud department at Navy Federal Credit union is leader in the credit card scam going on at this company where they mail memebers credit cards to their friends and they make unscrupulous charges then refuse to investigate these charges and the consumers are stuck to pay these bills. This is disgusting and reprehensible. They are defrauding all these members to make a buck for themselves and they should be ashamed of themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: I.C. System, Inc.
State: OK

Complaint narrative:
IC System 5 Letters sent to the business/credit bureau . 

didn't show investigations results. didn't investigate. 

never updated or corrected error on 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 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am not a fictious CORPORATE ENTITY, or PUBLIC OFFICE HOLDER using any fraudulent government-created, UPPER-CASE name, XXXX XXXX    XXXX XXXX XXXX that resembles my natural name. This upper-case fictional identity was forged for unlawful commercial gain from a birth certificate contract without full disclosure to me and without my consent or my mothers consent. 
1. There is no evidence that XXXX XXXX XXXX XXXX has any outstanding liabilities or obligations with NAVY FEDERAL CREDIT UNION under the doctrine of ultra vires. By doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporate powers is unlawful. Affiant believes there is no proof to the contrary. 
2. Pursuant to Title 12, Section 24 paragraph 7, it explains the power of the XXXX XXXX  XXXX. 12 U.S. Code 38 - The XXXX XXXX  XXXX States ; Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. NAVY FEDERAL CREDIT UNION brought forward and loaned its own CREDIT within the Consumer Transaction/Contract. Bank do not have the authority to create nor loan out credit and have committed unlawful acts of fraud and have violated SEC rules and regulations. Affiant believes there is no proof to the contrary. 
5. Fact, the United States Federal Government has been dissolved by the Emergency Banking Act, XX/XX/1933, 48 Stat. 1, Public Law 89-719 ; declared by President Roosevelt, being bankrupt and insolvent. H.J.R. 192, 73rd Congress in session XX/XX/1933 - Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. Federal Reserve Notes ( FRNs ) are unsigned checks written on a closed account. FRNs are an inflatable paper system designed to create debt through inflation. To pay a debt, you must pay with value or substance ( i.e., gold, silver, barter or a commodity ). With FRNs, you can only discharge a debt. You can not pay a debt with a debt currency system. Federal Reserve notes make no such promises, and are not money, you can not service a debt with a currency that has no backing in value or substance. No contract in Common law is valid unless it involves an exchange of good & valuable consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I received a letter from XXXX stating I owe a balance of {$360.00} due to XXXX. Then, XXXX sent the debt to Franklin collection services. I have never had an account with XXXX and I explained that. I have mailed 3 letters in regards to the debt but have not received any proof or correspondence about the letters, only more mail trying to collect the debt. The dates these letters were mailed are on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year and I have yet to receive anything. I keep getting reported on my credit due to this debt and I am in need of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter ( attached ) to XXXX and Transunion about having incorrect personal information in the consumer report, I demanded to be fix and remove old addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate, also to remove incorrect names. 
Its been more than 30 days and they ignored my request. 

Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I give you my written instructions to furnish the information just as it says on the letter attached. 
I'm including my social security, and two bills with my current address. 

Please do not ignore my request and come out with the excuse that you cant locate my file or you don't have my authorization or you dont recognized this complaint by me.. 
I have seen plenty of complaints in the cfpb with XXXX and you like to come out with this type of excuses.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation