vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wife and I were XXXX XXXX XXXX on a street in XXXX, XXXX while on vacation there the night of XX/XX/XXXX, at approximately XXXX. Both our cell phones were stolen, and the thieves hacked my cell phone, and were somehow able to get into my account. They proceeded to do a series of transactions that night and during the morning of the XXXX, while I had no way to reach Chase to block the accounts. 

I filed a police report that night and was able to logon with my laptop once a returned to the hotel room after midnight. I was able to cancel a large number of zelle payments they were doing. I was not able to cancel the one payment for {$500.00}. I finally reached the Chase XXXX number on the afternoon of XX/XX/XXXX and blocked the account. 

The thieves also performed several fraudulent transactions on my Chase XXXX credit card and on my XXXX account. I was able to have all those reversed. 

I'm attaching documentation that corroborates my assertion : 1. The list of messages from Chase showing my cancellation of the zelle transactions that were attempted on that same day.

2. The Chase Statement showing the fraudulent transaction ( on page 3 ) and the Chase credit card statement showing other fraudulent transactions on that same day. 
3. The XXXX statement showing fraudulent transactions on that same day. 
4. The police report ; it's in XXXX because this happened in XXXX, XXXX. 

I called Chase immediately when I saw the {$500.00} zelle transaction and filed a claim which they later denied on XX/XX/XXXX. I called them a few days later and was told to submit any additional information I had. I sent a letter on XX/XX/XXXX including the details above and they denied that as well. I followed up with XXXX separate phone calls, the last on XX/XX/XXXX, to try and get answers as to why they refused the claim. I was told it was denied because my device was used to do the transactions and there was no evidence of failed attempts or password changes from the device.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
Hello, Could you please remove account ( attached to identity theft report ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, as this is not my account, I've tried to reach out to the company itself but Im unable to reach anyone via phone. Please remove this from my credit report immediately as this account is affecting my credit score. Also, please remove the unauthorized inquiries attached to the identity theft report as well.

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Webster bank sent us a XXXX form late posted XX/XX/XXXX with a income XXXX XXXX XXXX {$830.00}, that I don't recognized, on XXXX bank statements does not show that figure, that we believe is an error from webster bank that may cause a problem with the IRS because it wasn't reported in this year filing because we don't get taxable interest. We need an investigation. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank u.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: LA

Complaint narrative:
XXXX XXXX open date XX/XX/2019 would not submit certificate of peer ship of debt with live signature proving ownership of debt XXXX XXXX XXXX XX/XX/2019 improper dates and balances are on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The inaccurate unverified alleged negative report from XXXX is in violation of 15 USC 1681i ( 5 ), I am very concerned at the discrepancies on my credit report I am a protected consumer that only wants true and accurate reporting, a statement of an alleged debt is NOT debt validation.

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 2023-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: MA

Complaint narrative:
I used the XXXX link that stated I can get a rate without an impact to, y score I followed the link and was notified by my credit monitoring service that a hard pull was made on my credit report by XXXX I did not authorize this inquiry

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 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Account XXXX : XXXX In XXXX I used XXXX XXXX and was on a payment plan to pay off the out electricity bill. In that same year I paid off the debit of {$530.00}, and I know this because I moved later that year and in order for me to transfer my service I would've had to pay the bill in it's entirety. When I logged in to my account I saw the debit cleared and I continued to use their service up until I moved out end of XXXX. 

I never received any type of notice about the debit and when calling XXXX XXXX about it they the customer service representative told me that they couldn't see anything on their end either and to call the debit collector, I reached out to their third party they had handling the collection via phone and they had no information on why this I was on my account. I have tried different avenues to get this off my credit report but nothing has worked. The people at XXXX XXXX and their collections company haven't been able to give me any information. If this was a debit that I needed to pay ( which I did ) then how was I able to transfer my service from one place to another and continue to use XXXX XXXX as my provider when I moved?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX, I was asked to pay someone XXXX dollar and I put it through " goods and services ' and then they gave me the money back because they wanted it through friends and family. Venmo went ahead and suspended by account for 180 days. 

I reached out to them and they have a very murky and difficult system, every response was a form letter that they are holding my XXXX dollars for 180 days. 

It's been 180 days. 

I had been saving for my kids XXXX presents in the app and it totally messed up my ability to get them presents. let me be clear. I did nothing wrong and have never ever stolen anything or scammed anyone in my whole life. 

Venmo regarding request # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I established a HELOC with Chase over 10 years ago. I agreed to a XXXX fixed rate. I noticed in the last five years that the payments were different every month. I finally got someone on the phone who agreed with me and set my payments at XXXX per month. I put that amount in bill pay and life moved on. Before my XXXX XXXX XXXX XXXX XXXX  I again noticed that my payments were all over the place and I called them again to find out what the problem was. I couldnt get anyone on the phone and continued paying the above amount. In XXXX of this year I received a message from XXXX which indicated that chase had posted a negative hit on my credit report. I called Chase again and was told I would have to pay a balloon payment to get my account back on track. This balloon payment from XXXX to over XXXX in one month. I have been declared XXXX by the state of Maryland. Unfortunately this has been extremely stressful for me. I dont know what to do. Any advice would be helpful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I want to report an incident with Midland Credit Management, who has contacted me for the past two weeks. When I finally answered their call today, it was only a recording asking me to dial XXXX. I called the number and spoke with a representative, but there was a clicking noise. The representative asked me to verify my personal information, which I was only comfortable doing with knowing the reason for their call. Despite my hesitation, the representative insisted on confirming my personal information, and we got nowhere. I requested that they send me whatever they were referring to in writing, but the representative claimed they had already sent it to me and could not provide a date. However, I have not received any mail from Midland Credit Management, as I have a mail alert system allowing me to view my mail for up to a year. When I asked the representative to verify the address on file, he only confirmed that he could ascertain it but refused to provide me with it. When I persisted, he updated their file to say that I had refused to speak with him, even though I was the one who initiated the call. Midland Credit Management violated your rights under the FDCPA by failing to provide the required disclosures and by refusing to provide you with information about the debt in writing. Their attempts to verify my personal information over the phone violated my privacy rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: GA

Complaint narrative:
Experian refuses to update four of my student loans with XXXX XXXX XXXX to reflect their accurate status and balances. The company performed an investigation into my dispute of their reporting for these accounts and completed the investigation stating that the account would be updated to reflect that theyre open/never late and with their proper balances. When I checked my credit report after receiving this report, Experian only updated one of the five accounts and left the remaining four accounts listed as closed with no balance. This erroneous reporting has significantly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and from acquire a home to rent for shelter.

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 2023-04-18 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: WA

Complaint narrative:
the card was opened fruaditly I contact the credit Breau, and they state is a valid debit and it is not i have asked several times for the debt to be removed or validated and they have no complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a case open XXXX. Not sure why it was closed with the response provided back from Bank of America. I had enclosed a copy of my banks ( XXXX XXXX letters in which they sent to Bank of America and Bank of America not responding back. Now my complaint was closed out due to Bank of America stating I need to initiate a claim with XXXX first. This was done 2 years ago and I'm enclosing proof. Bank of America is refusing to respond or pay back the money they owe 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 2023-04-18 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: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2023-04-18 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: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.

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 2023-04-18 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: Westlake Services, LLC
State: WV

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On these dates XX/XX/2023 At XXXX. ; XX/XX/2023 At XXXXXXXX XXXX ; Victim did receive an Illegal Solicitation from Respondent XXXX to my Opt Out Email Address XXXX. 

Victim states that respondents have acknowledged that this incident has occurred while Victim is Under the Protections of the Debt Bondage Repair Act. 

Victim states that Respondent is a Known Trafficker of said Victim. 

Victim states that Respondents are repeat and habitual offenders. 

Victim States that Company has refused to remove Adverse Information and have deprived Victim of Rights under the color of law.

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 2023-04-18 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: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 non-monetary relief