vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In XXXX, Chase XXXX made 52  charges after I notified them of fraudulent companies operating illegally. Of these 52 charges, there were 34 Debit Charges totalling XXXX XXXXXXXX CAD minus 18 Credit Refunds totalling XXXX XXXXXXXX giving a total shortfall of exactly XXXX XXXXXXXX CAD. This is a serious calculation/computational error which I have tried relentlessly for the past 5 years since XXXX to explain, notify, and illustrate with all the two year 's worth of statements that they have furnished and kept on records which by law must be up to 7 years. 

I am extremely exhausted and devastated by this XXXX XXXXXXXX CAD loss which I have incurred as a result of Chase XXXX  Bank who so callously, negligently, and stubbornly refuses to believe what I have said, citing that it was my fault that I got into this mess and that they can not be held responsible for their own computation errors. This is unacceptable, unprofessional, and uncalled for. I am a paying customer of Chase XXXX, and I was not only defrauded by 9 investment scam companies but also I WAS ILLEGALLY CHARGED FOR PURCHASES I DID NOT MAKE WITH CHASE XXXX THIS IS ANOTHER FRAUD COMMITTED BY CHASE XXXX THEMSELVES AND IS A CRIME UNDER US PENAL CODE 1341 SECTION 18 PLUS SECTION 380 OF THE CRIMINAL CODE OF XXXX, WHICH CAN CARRY UP TO 14 YEARS IMPRISONMENT IF FOUND GUILTY. I NEED THE HELP OF CFPB TO ORDER CHASE XXXX TO PAY BACK THE ILLEGAL CREDIT CARD CHARGES OR ELSE FACE COURT ACTION. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Lending Club Corp
State: NJ

Complaint narrative:
I have this accounts that does not belong to me and i want them to be remove from the 3 credit reporting agencies : XXXX  1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX as I was depositing money into my checking account I noticed that my account funds were far lower than I expected. I immediately reported to the bank that there were funds missing from my account. A bank representative reviewed my account with me and we identified charges which I did not make on my debit card. 

The bank said they were cancelling the card, effective immediately, and issued me a new card. ( More fraudulent charges appeared on the account between XX/XX/XXXX and XXXX which amounted to {$960.00} ) I sat down with XXXX Bank assistant Manager on XX/XX/XXXX and together we filed an online fraud report with the home office which included the fraudulent charges dating back to XX/XX/XXXX. On XX/XX/XXXX I received three letters from the bank office denying fraudulent activity on the card. 

I filed a police report with the XXXX County Police Fraud Department with Officer XXXX, ID # XXXX, Case # XXXX on XXXX. 
I notified the FTC and filed an Identity Theft Report. 

I mailed a third request to the bank with copies of my statements and was again denied. 

I understand that the bank is responsible for all charges dating back 60 days from the date they were notified of the fraud minus XXXX. The Bank has denied any responsibility at all. If this information is correct, I should be reimbursed at least {$9900.00} minus the XXXX. This amount represents the total fraudulent charges made to my account during those 60 days. In addition, I should be reimbursed for the additional {$960.00} of charges made after the debit number was cancelled at the branch. 


Your attention to this is greatly appreciated. 
Thank you. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: MT

Complaint narrative:
My account has been under review for loan modification since XX/XX/2021. It has been more than 2 months already and I keep on calling to check what is the status of my application and every time I call they say its still under review but it should not take longer than the promised 30 day period. My lender is not helping me save my house but giving me delaying tactics until it reaches my sales date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MiraMed Revenue Group LLC
State: NY

Complaint narrative:
Hi, On XX/XX/2021 Miramed Revenue Group placed a Collection item on my Credit Report for the amount of XXXX. 
I have NEVER EVER received a collection letter from this or any other entity regarding a medical bill for XXXX. 
I asked for any proof what-so-ever of debt or a copy of a bill sent to me and they were not willing to provide. The rep I spoke to admitted that they had the wrong mailing/billing address on file. 

It is not Okay to place an account in collection on a Credit Report without giving a chance for the customer notice of, chance to review or pay the claim. 

I kindly ask that this item be removed from my Credit Report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On or about XX/XX/2021 I filed a fraud affidavit with Synchrony Bank. Someone had used my card without my knowledge or permission. My fraud claim was denied, stating that statements had been mailed to my home. I rent rooms in my home and tenants have access to all areas of the house. Someone used my card, as their own, charging and paying the minimum, and charging more. I am a XXXX senior and I knew nothing about this. Mastercard states that I am not responsible in the case of fraud. Synchrony continues to bill me for charges that do not belong to 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 2021-06-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently tried to dispute my delinquent payments on my credit file due to my hospitalization. During the time of the aforesaid hardship i was XXXX XXXX and hospitalize  and was unable to make a payment because my accounts did not have autopay setup. I submitted a signed letter from the physician illustrating that i was hospitalize for the time period in question. I also submitted a letter from the nurse who was assigned to my case that supports everything the physician is stating. I got my dispute results back and they denied my request to remove the late payments. I let them know that i was only late because of my hospitalization and would have not been late if i wasn't hospitalize. I tried to dispute the late payments again because i recently got a eviction notice from my current residence. I pleaded with the credit bureaus to remove the late payments because i applied to 10 different apartments in the area with cheaper rent and got denied from every single one of them due to the late payments. I notified them that i will become homeless if the late payments are not removed and i also asked for the investigation to be done promptly because i need to find somewhere to live ASAP. Its been 2 weeks after i sent the notarized letter to the bureaus that gave them 15 days to reply ( 4 weeks in total ). When i pulled my credit file i noticed that their are some inaccuracies on my credit file. Some credit bureaus are reporting the account as delinquent for one month and the other credit bureau is reporting it as in good standing for that same month. This is affecting my ability to find a new apartment or qualify for credit. I would like for my delinquent payments to be removed because i showed them evidence that i was hospitalized and explained to them that i wouldn't have missed the payments if i wasnt hospitalized. I will become homeless if something isn't done and im trying my hardest for my nightmare to not come to pass. Please help because the credit bureaus are not emphatic to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently tried to dispute my delinquent payments on my credit file due to my hospitalization. During the time of the aforesaid hardship i was XXXX XXXX and hospitalize and was unable to make a payment because my accounts did not have autopay setup. I submitted a signed letter from the physician illustrating that i was hospitalize for the time period in question. I also submitted a letter from the nurse who was assigned to my case that supports everything the physician is stating. I got my dispute results back and they denied my request to remove the late payments. I let them know that i was only late because of my hospitalization and would have not been late if i wasn't hospitalize. I tried to dispute the late payments again because i recently got a eviction notice from my current residence. I pleaded with the credit bureaus to remove the late payments because i applied to 10 different apartments in the area with cheaper rent and got denied from every single one of them due to the late payments. I notified them that i will become homeless if the late payments are not removed and i also asked for the investigation to be done promptly because i need to find somewhere to live ASAP. Its been 2 weeks after i sent the notarized letter to the bureaus that gave them 15 days to reply ( 4 weeks in total ). When i pulled my credit file i noticed that their are some inaccuracies on my credit file. Some credit bureaus are reporting the account as delinquent for one month and the other credit bureau is reporting it as in good standing for that same month. This is affecting my ability to find a new apartment or qualify for credit. I would like for my delinquent payments to be removed because i showed them evidence that i was hospitalized and explained to them that i wouldn't have missed the payments if i wasnt hospitalized. I will become homeless if something isn't done and im trying my hardest for my nightmare to not come to pass. Please help because the credit bureaus are not emphatic to my situation.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX dropped my credit limit by {$7500.00} on my two credit cards ending in XXXX and XXXX in a letter dated XX/XX/XXXX. 
The card ending in XXXX was reduced from {$3000.00} to {$500.00} and the card ending in XXXX was reduced by {$7000.00} to {$2000.00}. 
My card ending in XXXX was opened around XXXX - XX/XX/XXXX. 
The letter indicated that Transunion reported my credit score as XXXX on XX/XX/XXXX. But my XX/XX/XXXX credit score was around XXXX as per the XXXX XXXX report. My credit score never dropped by XXXX points in 1 day! 
I called the customer service of XXXX XXXX and they asked me to open a complaint with Transunion. I called Transunion and they mentioned they can only give me my 'current ' credit report and not any historical report. Transunion can open a complaint only for a mistake on the credit report and started asking money for historical reports. 
I notified XXXX XXXX and they asked me to send the XXXX XXXX report to a specific address. 
I sent 4-5 letters to XXXX XXXX and all were sent with USPS priority mail and tracking showed that all letters were delivered from the past 6 months. But XXXX XXXX didn't respond by letter to any of my letters.

Because of the actions of XXXX XXXX and a bad response to its long-term customers, my overall credit percentage compared to credit limit increased that impacted my credit score. My credit score reduced by this massive drop. Other credit cards followed the suit and the credit limit further dropped by nearly {$10000.00}. 
Other things they mention in the letter is that generic statements saying my card balance on other credit card is high. Question is, how does XXXX XXXX know if the other credit lines I have are with 0 % APR or not? You look at credit cards with your bank first and see how much effort I had made to pay off the XXXX XXXX cards and improve my credit score. 
The action of XXXX cards only indicates that they do not want consumers to pay off their credit cards.

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 2021-06-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My account with XXXX XXXX  has been disputed on 4 occasion since XX/XX/2021 ; however, I have not received any correspondence for them. The credit bureaus has not been able to validate this account. There is a lot of inaccurate information reported to this account that is hindering 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 2021-06-15 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: IL

Complaint narrative:
Experian is reporting 2 medical collections that are paid in full and very old, these 2 collections should not be reporting. They are old and no money is owed, they were even PAID IN FULL years ago!!

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 2021-06-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I settled this debt over a year ago. I do not understand why I still owe it. At this point I do not remember if I paid a different collection agency or if I paid XXXX XXXX directly, but I definitely paid someone. Once I learned National Credit Adjusters was still collecting a debt, I was confused but wanted this fixed. I tried to resolve this amicably by paying them to remove it, but they refuse. I dont think its fair that I have to pay twice on this account because I have already settled it a year ago. There should not be a balance, and this should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, after reviewing my credit report, I've noticed two unauthorized inquiries on my report. I have tried contacting the company individually and Equifax credit bureau with no assistance. I really need these deleted/removed, it is affecting my credit worthiness. 

XXXX - XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NY

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have inaccurate information reporting n my credit report. I have made 4 attempts to resolve this issue ; however, I have not received any corresponding at all. My first attempt via mail was made on XX/XX/2021. They have not been able to validate this account ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
the following account appears on my credit report, without any authorization, please check it, it's hurting me : CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
I filed an FTC report about unauthorized inquires on 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 2021-06-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my credit report and found items that are not mine. There are negative items that are not associated with me, the account as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine and should 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