vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a transfer from an overseas account-XXXX pensions-into my New York based account at J.P. Morgan Chase on XXXX XXXX XXXX of XXXX Euros. There was a digit wrong on the account number. XXXX and I both informed Chase of the error that same week. XXXX days after the transfer was made. Chase maintained for several weeks that the money never arrived into the mistaken account and they had no idea where the money was. This despite several Swift recalls on the part of XXXX. When Chase finally declared the money was in fact, in the incorrect account most of the money had been taken out. Chase said they had no recourse and returned to me in XXXX only XXXX USD of my money and then finally gave XXXX USD saying that was all the money that was left. 

Chase has refused to put anything in writing about this incident. They were informed nearly immediately about the mistake and did nothing to correct it in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have not applied for a checking or savings account with this bank. Any inquiries made on my XXXX XXXX or credit file are unauthorized?

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 monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have send in several letters and filed complaints that seem to be ignored by the credit bureau. I REQUEST TO make justifiable corrections or removals of unverifiable or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting for the following account : 1.XXXX Collect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have not applied for a checking or savings account with this bank. Any inquiries made on my XXXX XXXX or credit file are unauthorized?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSH & Associates, LLC
State: MO

Complaint narrative:
This letter is a formal complaint against RSH & Associates , LLC, a collection agency located a XXXX. XXXX XXXX XXXX, Kansas XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I 'm just over my head with this company. I XXXX XXXX take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have  since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Please investigate the collection practices of this company, specifically in my particular case. I 'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these four accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: SC

Complaint narrative:
Was in IBR repayment plan. 
Applied for rePAYE through XXXX rePAYE application was approved. 
After this, a {$5.00} payment had to be paid to transfer into rePAYE. 
Despite being signed up for direct deposit, autodraft payments, the payment was never drafted. 
After non-payment, the account was considered delinquent, the rePAYE approval was denied and it has been a nightmare to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # xxxxxx. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Thursday, XXXX XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX, along with information suppression dated XXXX XXXX, XXXX. I have attached a copy of my security freeze and suppression confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On Friday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and he also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. He also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. 
I also contacted the U.S. Bankruptcy Court requesting their process of reporting bankruptcy information to the credit bureaus to which I was informed that they DO NOT report to ANY credit agency. I have included the letter from the bankruptcy court as well. 
I demand that this public record Wage Earner Plan/Bankruptcy # xxxxx is removed due to lack of verification and inaccurate reporting of verification date. The entire process of reporting a public record from the original source is a flat lie based on information given from the United States Bankruptcy Court. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying the account is verified. I demand that this unverified account : Wage Earner Plan # xxxxxxx is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : Wage Earner Plan/Bankruptcy # xxxxxxx is removed/DELETED PERMANENTLY due to lack of verification, INACCURATE REPORTING OF VERIFICATION DATE and invalid process of reporting a public record. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Around XXXX, I sold a pair of XXXX headphones via XXXX. I sold it to a man for about {$190.00}. He paid me via paypal and asked me to send it asap as it was his brothers birthday present. I understood of course, so I sent it as soon as i could. Of course, I didnt know that it was a pending payment, not yet fully received in my account because as soon as it was shipped, the buyer canceled his payment. I tried calling XXXX and they said there was nothing they could do ; i was scammed. I tried calling paypal, but i was put on hold for 30+ minutes multiple times. I tried the call me back function several times and I was never given a call back. I tried filing a dispute on the Paypal website but it said lets try that again. Looks like something went wrong on out end. I tried multiple times on all browsers ( XXXX, XXXX, and XXXX ). I finally tried emailing their customer service but they just sent me a generic message saying that it was the " transaction was not eligible for PayPal Seller Protection '' and recommended I just file a complaint to the XXXX, which I have already done, and have yet to hear from either. Overall, it has been impossible to contact Paypal, and they have done absolutely nothing to even try to remedy the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
I 've never tried to apply for any credit cards in my life. I moved out of the state and did n't change my address I received letters from the government and it had my social security number my name on it & someone been ruining my credit they fraud a lot on my social please I need help I 'm only XXXX yrs old with a no good credit that I 've never took any action on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in 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 2017-12-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in 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 2017-12-11 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
After years of struggling to make payments on my private student loans. Navient charged my loans off to a debt collection bureau. I was able to eventually reach a settlement for XXXX dollars with the debt collection bureau to settle the delinquent debt and put the loans in a positive status as paid in full as a result of settlement. Even after reaching the settlement and filing several disputes on all three credit bureaus, Navient is still incorrectly reporting my accounts as delinquent and charged off. Pay law they should change the status and it should be reflected on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: MA

Complaint narrative:
I submitted a request to look into a delinquency on my report. The information on it was incorrect. That was on XXXX XXXX. It is now XXXX XXXX amd i have not recieved any info on it. Its supposed to be removed from my report after 30 days if i dont get a response.

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 2017-12-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After years of struggling to make payments on my private student loans. XXXX charged my loans off to a debt collection bureau. I was able to eventually reach a settlement for XXXX dollars with the debt collection bureau to settle the delinquent debt and put the loans in a positive status as paid in full as a result of settlement. Even after reaching the settlement and filing several disputes on all three credit bureaus, XXXX is still incorrectly reporting my accounts as delinquent and charged off. Pay law they should change the status and it should be reflected on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on Equifax, XXXX, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized and inaccurate inquiries on my credit file. The following inquiries were placed on my credit file as of XXXX XXXX, XXXX. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against Equifax, XXXX, and XXXX for placing false inquiries on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of the inquiries and this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. 
Inaccurate Inquiries : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on XXXX, Experian, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized and inaccurate inquiries on my credit file. The following inquiries were placed on my credit file as of XXXX XXXX, 2017. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against XXXX, Experian, and XXXX for placing false inquiries on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of the inquiries and this has been a situation that has been on going for the entire year and Im tired of the bs. You have caused major XXXX and more symptoms to my physical body and my mental capacity. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my mental health. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. 
Inaccurate Inquiries : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX 8. XXXX XXXX 9. 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 2017-12-11 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:
This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on XXXX, XXXX, and TransUnion. I have been affected in the past and I dont know why your company continues to place unrecognized Accounts and inaccurate inquiries on my credit file. The following accounts and inquiries were placed on my credit file. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against XXXX, XXXX, and TransUnion for placing false inquiries & Accounts on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of all the inquiries and accounts this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. Inaccurate Account information

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