vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Garrison Investment Group
State: NJ

Complaint narrative:
During a recent review of my credit report, I noticed a credit inquiry by XXXX XXXX XXXX dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they received an application for credit from XXXX by XXXX and verified the credit inquiry. I sent a second letter via certified mail to XXXX XXXX that was signed and received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and 90 days since my initial communication ), XXXX XXXX has not responded to my request for verification and have not noted my dispute on my credit profile, as required by law including for credit inquiries.

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
Consumer complaint received 2019-02-02 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: NC

Complaint narrative:
In XX/XX/XXXX I noticed several inaccurate and fraudulent address, accounts and inquiry 's on my credit report. I believe I am a victim of identity theft due to several security data breaches I have been involved in with companies such as XXXX XXXX and XXXX XXXX. I am requesting that these accounts are removed from my credit report immediately as this is severely impacting my life.

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 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I closed my checking account on XX/XX/XXXX with a balance of {$530.00}. A check was suppose to be issued to my address. After a month 's time nothing arrived. I called telephone banking at XXXX on XX/XX/XXXX where the agent said another check would be issued. Nothing arrived again. 

On XX/XX/XXXX I visited the branch at XXXX XXXX, New York and spoke to a banker who reach out to branch support for help. I believe Branch support 's agent name was XXXX. He said they were unable to help and connected us to telephone banking. After one hour on the phone with telephone banking they were unable to locate the two checks that were sent out and asked us to check with branch support again. The telephone banker 's name was XXXX XXXX ( XXXX ). He checked with a supervisor who was unable to help or offer a resolution. 

Nobody at Chase is able to resolve this situation. I've sent a total of 3 hours trying to resolve it on my end. They are holding my money with no clear path on how to get it back. I'm hoping CFPB can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: NC

Complaint narrative:
In XX/XX/XXXX I noticed several inaccurate and fraudulent address, accounts and inquiry 's on my credit report. I believe I am a victim of identity theft due to several security data breaches I have been involved in with companies such as XXXX XXXX and XXXX XXXX. I am requesting that these accounts are removed from my credit report immediately as this is severely impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: NC

Complaint narrative:
In XX/XX/XXXX I noticed several inaccurate and fraudulent address, accounts and inquiry 's on my credit report. I believe I am a victim of identity theft due to several security data breaches I have been involved in with companies such as XXXX XXXX and XXXX XXXX. I am requesting that these accounts are removed from my credit report immediately as this is severely impacting my life.

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 2019-02-02 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: NC

Complaint narrative:
My name is XXXX XXXX, DOB:XX/XX/XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that XXXX XXXX  XXXX has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current since XXXX of XXXX. We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current. 
It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current on XX/XX/XXXX month with a check mark and current. 
Thank you for your time and have a wonderful day.

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 2019-02-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX, DOB:XX/XX/XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that XXXX XXXX  XXXX has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current since XXXX of XXXX. We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current. 
It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current on XX/XX/XXXX month with a check mark and current. 
Thank you for your time and have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX, DOB:XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that XXXX XXXX  XXXX has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current since XX/XX/XXXX. We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current.

It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current on XX/XX/XXXX month with a check mark and current. 
Thank you for your time and have a wonderful day.

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 2019-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a savings account with Capital one 360. Every year i log on to get my tax forms. the last actual transaction was XX/XX/XXXX, a withdrawal. The account was there to accrue interest for me. That is what savings accounts are for. XX/XX/XXXX I logged on to close the account so I could transfer to another account. The account was closed. Capital One and NY State took my money in XX/XX/XXXX. I had to file unclaimed funds. Which in itself is absolutely ridiculous, but now NYS is saying that it is going to take 90 days for me to get that money back because they are backed up. Well if they didn't steal everyone 's money they would not be backed up. I need that money. My mother is XXXX in Florida, if there is an emergency I need to be able to access those funds. There was no notification at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
The problems with this company are continuing. History and previous complaints made : 1. Originally did not credit over {$35000.00} principle pay down and took out 3 regular payments after pay down. This was finally corrected.

2. Next complaint was for not crediting us for the three overpayments. This was finally corrected ; however, they have now credited my MORTGAGE account {$1100.00} and taken out my XXXX payment. 
So in other words, they are still using my money to make for their company money. If this happened to at least 1000 other people ... that is a lot of money, over {>= $1,000,000} they are making off their current customers for not returning funds appropriately. Do they really think their customers are that dumb?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: FL

Complaint narrative:
On XX/XX/2019 My mother, XXXX, transferred {$260.00} from her Chase checking account to my Chase checking account. The reason for this transfer was because my account began the business day of XX/XX/2019 with a balance of -XXXX. When we checked the accounts on the morning of XX/XX/2019, we found that the transfer had completed and posted from my mothers account. My account however now had a balance of-XXXX, with no record of even a pending transfer. We contacted Chases customer service and both repeatedly verified our identities. After speaking with multiple customer service representatives, we were connected with a manger XXXX XXXX, who refused to provide an id number. Her analysis of our situation was that Chase has policies that allow them to process the funds transferred for 1-2 buisness days. She also was unwilling or unable to remove the insufficient funds fee applied to my account. We cant get the money that has been transferred back either without be charged and delayed even more. We both have used this transfer method in the past, with each other and others, and have never experienced a delay like this before. The money was also designated for time sensitive expenses of mine that have caused me tremendous financial problems. I feel like they used their policies to steal from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
Advance America, a loan company of whom I have an account : has taken over 1600.00 dollars from my VA XXXX account, leaving me with no funds for groceries, utilities or insurance. I am behind on my payments, and feel that I should have had some warning about this. Also I was under the impression that these XXXX funds are immune from garnishment.This company is located in XXXX, Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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:
From the reporting company stating that no further action would be taken with out evidence being submitted. This is not right at no point was there any information received indicating that an investigation was completed but then your company sends this response that nothing will be checked into with out proof/evidence? Your company just blatantly broke the law which states that when information is requested that the credit reporting agency needs to investigate and resolve. Now with evidence that your company broke the law the items need to all be deleted. This is completely unacceptable.

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 2019-02-02 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: GA

Complaint narrative:
XXXX XXXX XXXX contacted me about an account that I had no knowledge of back in XXXX of XXXX. I filed a police report and went to have forgery affidavit notarized as advised and submitted it back to XXXX XXXX XXXX. I submitted the information to Experian and they deleted the account on XX/XX/XXXX under : XXXX XXXX XXXX  Account XXXX I checked my credit report on XX/XX/XXXX only to discover that the original creditor XXXX XXXX XXXX sold the debt to a new creditor under the name of : XXXX XXXX XXXX  XXXX It is a FCRA violation to reinsert a deleted collection back on a credit report without proper notification either by mail or by phone. Neither happened because the account is a result of identity theft. Please do not put a freeze on my account but please remove this collection listed under : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Columbia Recovery Group LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX representing XXXX XXXX XXXX XXXX   ( apartments ) claiming there was a final charge of {$920.00}. There was no statement of charges, no receipts, no explanation of charges, and no proof of any charges owed. I emailed them several times and wrote to them for an explanation of charges and never received any response. Therefore, I turned the matter over to the Attorney General of Idaho, because they needed to contact me within 30 days of move-out to settle charges. The move-out date was XX/XX/XXXX. Therefore, 60 days had passed before contact breaking Idaho Code Section 6-321. They also never at any time informed me where my deposit went breaking Idaho Code Section 6-321 and Lease Section 42 of lease signed on XX/XX/XXXX for 10 months. After me contacting the Idaho Attorney General, XXXX XXXX sold the debt to out-of-state company Columbia Debt Recovery XXXX XXXX. I started receiving letters and phone calls from XXXX at Columbia Debt Recovery. ( included ) XXXX threatened to ruin my credit and turn me into all three credit bureaus if I didn't pay this debt. I asked him for the proof or a statement and he claimed he had proof but could not share it with me. He was calling 5-7 times per day. I finally told him that I did not wish to be contacted by phone anymore and only US Mail  under FDCPA and hung up. I disputed the charge with XXXX XXXX and was told it was for extra rent. I did not owe extra rent and everyone agreed on the Move-out date. ( included ) I received a notice on XX/XX/XXXX that my credit had dropped by 32 points and I checked and sure enough, Columbia Debt Recovery, XXXX XXXX has reported this debt to my credit as threatened by XXXX. Please review the included documentation. Idaho Code was broken multiple times and I have never received a straight answer from anyone what the debt is for after asking multiple times. Also, you can see the Move-Out Inspection notations were Excellent.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Comerica
State: KY

Complaint narrative:
My XXXX  XXXX  MasterCard isn't releasing my credit info but I keep getting charged by all 3 credit but was monthly and it's making a score of XXXX it's not right it was XXXX they are robbing me with bank fees to at XXXX XXXX  XXXX  in XXXX  ky XXXX it's litteraly the credit bureau charging me over and over and XXXX XXXX us treasury card is being robbed. Some XXXX XXXX XXXX laughed at me like it's an error and it's not funny. Only credit card I got is XXXX  XXXX Comerica government card and it's secured my credit should be stellar never missed a payment on my at & t bill ever either. It's not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX my wife and I got a letter in the mail from Wakefield and Associates claiming that they were collecting on a debt from XXXX XXXX XXXX  XXXX  for {$110.00} ( by the way the real debt was actually {$110.00} ). This debt was paid on XX/XX/XXXX 2  days before it was sent to collection and I called to tell them that. I also told them to contact the XXXX XXXX XXXX  XXXX to confirm that this debt had been paid. Wakefield and Associates refused to do this saying that it was our responsibility to pay this. I told them that it should be their responsibilities to make sure a debt they were collected on was valid ; however, they would not do this. Therefore, I contacted our XXXX credit union the bank that issued our bank card used to pay this debt. XXXX emailed me a copy of the transaction proving that the debt had been paid. I called Wakefield and Associates back within 30 minutes of our initial conversation and told them to send me an email address so I could forward XXXX information to end this debt harassment and not to contact us again about the matter again. They gave me an email address and I sent them the information that same day. Today XX/XX/XXXX, I get a new letter from Wakefield and Associates saying that we now own them a different amount from XXXX XXXX XXXX   XXXX  for {$57.00} and stating that we did not send them proof of the payment in the question above. All of a sudden, the amount has changed from {$110.00} after we proved we paid them. I think they know we paid them, but they are making up new changes for financial gains for themselves as our bill from XXXX XXXX XXXX  XXXX was only {$110.00}. We have never had another bill from them. Attached is an actual bill from XXXX XXXX XXXX XXXX and the XXXX statement. Wakefield and Associates are harassing us and trying to get payments that are not due. In addition, they over-inflated the initial charges that should have been owed. On a small scale this is not big but if you look over their entire history they are probably stealing a lot of money by adding on a few cents to each collection case.

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 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
this collectors name is XXXX XXXX XXXX. XXXX XXXX. i called them and asked them to dismiss charges on account as i have no knowledge of this account. It is identity theft i never opened it. Didnt get anywhere tith them could use your help getting this taken off of my credit report before id die of XXXX. My account is XXXX they are located in department XXXX XXXX XXXX , XXXX XXXX  ca. XXXX my phone for contact is XXXX the amount is for XXXX they are located headqrtrs is XXXX XXXX   XXXX XXXX va XXXX and there seperate mailing adress at bottom is in XXXX california which leads me to believe this is also sometime of phising scam. the lady on the phone sounded like a complete XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I attempted to have Kohl 's pay my account in full every month by providing banking information. Either I entered part of the information incorrectly or there was a problem with the transmission. By the time I learned that the account was not on autopay evidently the account had become past due. I pay every credit card I possess in full every month through direct withdrawals. My accounts with Master/Visa/American Express typically have balances totaling $ XXXX each month and they are always paid in full ; the balance in the Kohl 's account that is reported delinquent was a little more than {$200.00}, an amount that is trivial. When I learned what happened, I paid Kohl 's in full but was so annoyed with the way this was handled, I closed the account! Because I made a concerted effort to correct my bank information and pay Kohl 's in full in a timely manner, reporting the account delinquent to the credit bureaus is completely misleading -- it is the only late account on my entire credit report, that has a XXXX-year history. I have called Kohl 's on at least two occasions and asked them to remedy this but they have not. My credit score dropped approximately 100 points because of this issue. Kohl 's needs to do the responsible thing and delete their report to the credit agencies that I paid late. They are acting in a fashion that is reckless and irresponsible.

Company response to consumer: Closed with non-monetary relief