vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 I was apart of a scam for XXXX XXXX that made me deposit money into a business checking account for JP Morgan, Chase bank. Im possibly being prosecuted because I cant get that money back. I was sent XXXX to my personal check Account at another bank and I was told to take out {$3400.00} and deposit it into an account at said bank. Ive tried contacting the bank but no one seems to give me any information about it because Im not a customer there. I have proof that I deposited into said bank account and I also have proof that I was told to do so along with the account number. I need that money back so Im not sent to court or jail. I will definitely do more research on this next time before I accept any kind of job offer. I dont want my family to suffer just because I thought I finally got a break from life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
On XX/XX/2020 I paid off a deby of {$110.00} to Access Credit Management in XXXX XXXX, Arkansas. They did not apply to the account but another account which is incorrect. I have disputed with the XXXX who verified the debt as accurate. This debt is continuing to negatively impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are several accounts on my report that have a XXXX  balance and I have sent several letters disputing these accounts. I have asked the agency to investigate this and send me whatever information they have to prove that they are my accounts. I have never received anything other than a credit report stating that I the consumer disputes the account. 
The accounts include XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are several accounts on my report that have a XXXX  balance and I have sent several letters disputing these accounts. I have asked the agency to investigate this and send me whatever information they have to prove that they are my accounts. I have never received anything other than a credit report stating that I the consumer disputes the account. 
The accounts include XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are several accounts on my report that have a XXXX  balance and I have sent several letters disputing these accounts. I have asked the agency to investigate this and send me whatever information they have to prove that they are my accounts. I have never received anything other than a credit report stating that I the consumer disputes the account. 
The accounts include XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: NJ

Complaint narrative:
On XX/XX/2020, I sent a letter to Experian regarding the unverifiable, invalidated, inaccurate, and questionable accounts on my report. Instead of handling my disputes they accused me by stating that I used a third party credit repair agency. I feel totally violated and I hope the CFPB does something about this.

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 2020-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2020-12-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/20 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. I feel like im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have contacted Chase multiple times beginning XX/XX/2016 to obtain clarification regarding my loan modification as to why a balloon payment is on my mortgage. I was advised it was a result of lowering my monthly payments to make them affordable. However, if Chase restructured the loan then why are the terms not favorable for me as a borrower. Chase provided me with a principal reduction but it appears this principal reduction will be cancelled out by the hefty balloon payment " principal deferment ''. How is this deemed making home affordable? This deferred principal was not structured into the modification which is now positioned as a lien on my home. How is this legal? Once Chase reviewed my loan and saw that payments were consistently being made why didn't they revise the loan. Now Chase has sold my loan to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 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. I feel like im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/20 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. I feel like im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America edd prepaid card ... .. 
I have fraudulent charges that been denied and I never made the charges XXXX and its for about {$1200.00} I have lost my debit card .. and I never made the charges .. my name is XXXX XXXX social XXXX XX/XX/XXXX .. its been over 3 months and Im hurting for money I havent even received provisional credit ..! My phone numnber XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This has been going on far too long so I need your help. They have been wasting my time by just ignoring my request sent on XXXX by certified mail***** XXXX on XX/XX/2020. I called several times XX/XX/2020 ( twice ) XX/XX/XXXX ( twice ) and but was only being disconnected in the middle of a solution and told it would be taken care of but nothing being done but total disregard. There have been student loans Accounts DATE OF LAST ACTIVITY HAVE BEEN RE-AGED HOW CAN THIS BE POSSIBLE AS SUCH AFFECTING WHEN THESE ACCOUNTS NATURALLY WOULD FALL OFF MY REPORT. The DATES, MONTHS, YEARS can not be different ON credit bureaus as you are getting data from the same source I am seeing different Date of Last Account Activity

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 2020-12-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX {$50.00} i ask to deleted this fraud account no method giving XXXX  XXXX  {$120.00} I ask for method of action for this account nothing giving XXXX  XXXX XXXX {$560.00} I ask for method of method of this fraud account XXXX XXXX XXXX {$82.00} I ask for method of this account nothing giving XXXX XXXX XXXX XXXX {$1600.00} I ask for info never was giving fraud XXXX XXXX XXXX  XXXX {$5700.00} I ask about this fraud account nothing giving

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 2020-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2020 I received a call from a representative of Transworld. The person said they were collecting a debt on behalf of XXXX XXXX. I attempted to explain to them that XXXX had already been paid by XXXX. Instead of listening to me the person became extremely aggressive, combative and disrespectful. They threatened me with further collection action and said this was my debt. I do not owe Transworld systems any money. In fact, I find it ironic they are trying to shake me down for {$260.00} when XXXX allows approximately {$18.00} for this test. XXXX XXXX has already been paid and Transworld has insisted upon harrasing me and having their employees contact me to be disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX {$50.00} i ask to deleted this fraud account no method giving XXXX  XXXX  {$120.00} I ask for method of action for this account nothing giving XXXX  XXXX XXXX  {$560.00} I ask for method of method of this fraud account XXXX  XXXX XXXX {$82.00} I ask for method of this account nothing giving XXXX XXXX XXXX XXXX {$1600.00} I ask for info never was giving fraud XXXX XXXX XXXX  XXXX {$5700.00} I ask about this fraud account nothing giving

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 2020-12-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX {$50.00} i ask to deleted this fraud account no method giving XXXX  XXXX  {$120.00} I ask for method of action for this account nothing giving XXXX XXXX XXXX {$560.00} I ask for method of method of this fraud account XXXX XXXX XXXX {$82.00} I ask for method of this account nothing giving XXXX XXXX XXXX XXXX {$1600.00} I ask for info never was giving fraud XXXX XXXX XXXX  XXXX {$5700.00} I ask about this fraud account nothing giving

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted All three credit bureaus regarding miss information on my credit report someone has tampered into my credit report and change my information including my name my last name date of birth address is in Social Security numbers. Having a copy of my credit report from four years ago and none of this information was on my credit report this is been recently done and I believe I know who is involved. I have put a freeze on my credit report and it seems to be unlocked several times and I have locked it again. Someone is repeatedly putting several addresses changing the names the numbers on my credit report and Ive asked a credit with bureau by certified mail to change my information to the correct information including my name date of birth social security number and phone numbers including my address. This is fraud and 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 non-monetary relief
Consumer complaint received 2020-12-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not 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