vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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: NY

Complaint narrative:
I called a few times to XXXX XXXX I had scheduled a payment for XX/XX/2021 and I called in on XX/XX/2021 to cancel the payment because there Would be no funds to cover it. I lost my job die to COVID and explained to XXXX XXXX I applied for unemployment and the got the response back Im approved however there is a delay with the processing of it. In short they enrolled me in a financial relief program for all my cards and they have token out all necessary payments via auto pay which I have proof I am up to date and there was an error in there system I would like them to fix with my 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 explanation
Consumer complaint received 2021-07-28 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: NY

Complaint narrative:
I called a few times to XXXX XXXX I had scheduled a payment for XX/XX/2021 and I called in on XX/XX/2021 to cancel the payment because there Would be no funds to cover it. I lost my job die to COVID and explained to XXXX XXXX I applied for unemployment and the got the response back Im approved however there is a delay with the processing of it. In short they enrolled me in a financial relief program for all my cards and they have token out all necessary payments via auto pay which I have proof I am up to date and there was an error in there system I would like them to fix with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/2021 I reported 3 charges with my Chase Bank from my account withdrawals concerning XXXX. 

XX/XX/2021 : {$300.00} XX/XX/2021 : {$300.00} XX/XX/2021 : {$600.00} We were purchasing a dog from a breeder, but we unfortunately do not have the dog and the company we were speaking with does not respond to us, nor can we contact them via phone. They will not answer calls, texts, no correspondence. I had disputed the charges with Chase Bank on XX/XX/2021. They gave me a sheet to fill out, but when I went into the bank on XX/XX/2021 to turn in documentation and the sheet, they just asked for the sheet. They have not once asked for any documentation from me. Just the initial sheet. This morning I woke up to a letter in my statement saying the charges are authorized and they are taking {$1200.00} out of my account. 

1. I do not have a product that money was taken for.

2. Chase bank did not request any documentation on my behalf to prove the product was not received. I have been banking with Chase for over 10 years and this is how they protect their clients.

3. Chase bank did an investigation with no documentation given back to me about any information. They have nothing to show me, just that they are not helping me with the transactions basically. 
I have called Chase bank at XXXX today XXXX, I am speaking with a XXXX who told me to file a dispute with XXXX. He then told me, they are no longer looking into the issue and that I need to contact the merchant. WE CAN'T CONTACT THE MERCHANT.. they DO NOT respond to us!!! We were scammed, while I understand this was not a smart move on my part to send money to someone via XXXX ; if I have the documentation, why is my bank NOT protecting me? 
I have asked to speak to a manager, I spoke to Barbie ( like the doll she told me ). Then I was told that Chase bank does not have a dispute process for this. They are not protecting my ACH payment. They are saying that I am not protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Flagship Credit Acceptance LLC issued a deceptive form as a contract. Repossessed the vehicle, sold it, and still continues to furnish negative information to the credit agencies for years now. I have asked them to validate this alleged debt and they still have not provided me with the required documentation pursuant to 15 USC 1692g nor the documentation I requested from them. I am attaching the correspondence I have sent them, everything is over 40 pages, so I am only attaching what I have sent them and their last response to me. If all 40 pages are needed I can forward upon request.

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 2021-07-28 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: MD

Complaint narrative:
I have sent certified letters to all three bureaus about one item to be verified and received no feedback or results. The item is : XXXX XXXX XXXX # XXXX. I have NOT had this 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 explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have called on numerous occasions to tell them that they are calling a wrong number. I do not owe any money and I do not know the people they are calling about. They say the will take my number off the list and will not call again. Then all day everyday starting at XXXX they call over and over. 
Say to call XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I try to call the chase account team all last week they had me on hold each day for 45 minutes nobody came to the phone I was trying to contact to tell they to take my {$20.00} check off hold they did this because Im XXXX the discrimination against me chase bank also I did a mobile deposit they clear my bank with the check they still but the check on hold for 8 days because Im XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
letter was sent XX/XX/XXXX, on XX/XX/2021 lexis nexis confirmed it received a certified mail ( dispute letter ) which stated " I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently challenged this same account with the credit bureaus, and they came back stating that they verified this account with lexis Nexis. I have went to the courthouse and they have also stated they did NOT verify this information, nor do they verify any info with any vendors, third parties or credit bureaus. Please send me what ever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character '' as of XX/XX/XXXX lexis Nexis has not provided any documentation to prove how they verified the bankruptcies in question, the federal court stated in the letter they provided to me which i provided below that they do not verify any type of information with any third party vendors or credit bureaus. # 1 there is no such thing as a public record for the consumer because you have the right to privacy. thats pursuant to 15 usc 1681 ( a ) ( 4 ) i have attached the law below. if you investigated it tell me who you interviewed and if you interviewed them it should NOT include facts pursuant to 15 usc 1681a. ( e ) corporations cant interview anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not authorize these two credit authorizations through XXXXXXXX XXXX for XXXX store card XX/XX/2021 and also for XXXX XXXX  on XX/XX/2021 This is illegal and against the fair credit and reporting act somebody must have access my information and social security number committing fraud and then attempting to obtain credit through my financial information these need to be removed immediately.

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 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I logged into my Sears MasterCard online account to find my balance due, but I was presented with a screen demanding that I give them my income, job and current house payment information. Mind you, I've had this card since XXXX and stopped using it for several years due to similar problems. There was no way to cancel out of this screen or a " Later '' option. I was not asking for a credit line increase or any other changes. 

I finally clicked to update my information, at which point the normal menu appeared and I could see what my balance due was, which is what I wanted to get. 

I really resent this pushy kind of attitude from Sears. I won't be using this card again, at least for several years.

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 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Helbing Law Group
State: RI

Complaint narrative:
To whom it may concern : I have been using Helbing Law firm LLC for 3.5 years. They claimed to be able to improve my credit to debt by reporting to all 3 credit agencies as I made monthly payments to them.

Helbing LLC. has only settled 1 account in the 3.5 years and has not been reporting my payments to the credit agencies. Also, Helbing has settlement amounts higher than the original amount as well as used my payments towards accounts that are not mine.

I have not heard from them for the past year until I threatened to make this claim.

Please see attachments Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: MI

Complaint narrative:
I did not authorize these two credit authorizations through XXXXXXXX XXXX for XXXX store card XX/XX/2021 and also for XXXX XXXX on XX/XX/2021 This is illegal and against the fair credit and reporting act somebody must have access my information and social security number committing fraud and then attempting to obtain credit through my financial information these need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I did not authorize these two credit authorizations through XXXXXXXX XXXX for XXXX store card XX/XX/2021 and also for XXXX XXXX on XX/XX/2021 This is illegal and against the fair credit and reporting act somebody must have access my information and social security number committing fraud and then attempting to obtain credit through my financial information these need to be removed immediately.

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 2021-07-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-07-28 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: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I recently filed a complaint against BBVA for an abundance of unauthorized XXXX transactions. The company responded saying in the end they would reevaluate the charges and get in touch with me. Two weeks have gone by and not a single rep has reached out to me as stated in their response. A dispute has not been started ( again as they stated in their response ) and since I have left the account open to hopefully get my funds back they have now charged me {$64.00} in low balance fees. BBVA is completely unable to manage a bank, has little to customer support, and is being bought out which makes them probably care even less about people and when they get their money stolen. I would like my original dispute totaling over {$13000.00} and this {$64.00} returned to my account before having to file a class actions suit against the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/21 I submitted a request to have information reporting illegally on my report removed to no avail. I have sent all required information to the bureaus.. Which included several police reports..Several FTC reports. My Identification.. Social security card and Etc.. I have pleaded with the bureaus to show me how they validated my late payments but they have not responded. I have been sending them the same information since last year. Experian continues to report addresses that dont belong to me. I was told several times that they would take them off. Still nothing. This is frustrating because I know my rights are being violated. I have a fraud alert on and it still doesnt help. Experian is reporting a fraudulent account ( XXXX  ) on my credit once again and I have provided them proof that Ive never even lived at that address. They wont even validate the account or send me proof of who this account belongs too.

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 2021-07-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
2Phone Number : XXXXReported For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( S ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXXReported Address:XXXX XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXXDrivers License : State : Date of Closure : XXXXTN/ACCT # : XXXX / XXXXOriginal Charge Off Amount : $ XXXXClosure Status : UNPAIDClosure Status Date :XX/XX/2016Inquiries

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 2021-07-28 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: GLA Collection Company, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... GLA COLLECT ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: HW Holding, Inc
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX ... HWARFIELD ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
Dispute Dept./To whom it may concern, Please send me all information that you have on this account. Anyone can send an agreement, terms and conditions, statement, but that DOES not prove that a contract was signed as anyone can fill out an application online that could be bogus. Also, I want a copy of a signed agreement or contract as required by law. If you can not provide this information then I expect a letter of deletion to be mailed to my address as well as the three credit bureaus. 

Reference # XXXX I also would like to know if you are licensed to collect in my state. If so, send me your license number for me to view. If not provided, I will file a case with the FTC, XXXX, Attorney General, and the CFPB. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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