vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: MS

Complaint narrative:
I noticed that the Credit Bureaus are not reporting the same information on my credit report among each other, which means its incorrect. XXXX and XXXX are reporting my XXXX student loan as late when it should be as what Experian is reporting which is current. This has caused me a lot of stress trying to fix this situation. They must hold the agencies that they collect information from to the law, and furnish only the correct information under the FCRA 623 ( a ) ( 2 ) ( B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please see attach letter. I can not write everything that was done to me here. Even the letter i wrote is just the tip of what both Chase and XXXX XXXX service did and the coverup they tried. All I am asking really is a fair investigation to what i am saying was done to me. The letter I attach is just the least of what they have done. Not only did JPMorgan ( chase ) tried to get around the bankruptcy but they tried to cover their tracks by claiming they sold my mortgage to another company. What they didn't tell me was that the morgage company they are selling it it is serving the loan for them. Now check the confusion. The company who is servicing the loan chase ( because chase lend me the money for the home but it didn't come from chase it came from another place and yes i have that too, where my loan came from. but chase was the service of it who sold the service to XXXX  to service it for then. Please help me make sense of that PLEASE. Or how does this sound since chase lost money on me filing bankrupt because of the house they couldn't see like they was trying to get that money back. So they cook up this XXXX modification claim to sell it to another company who that company is servicing it for chase. I say that because XXXX who is serving the loan now cant or wont tell me where that extra XXXX dollars is going to. And correct me if I am wrong here but isnt a loan modification is to help to reduce a mortgage payment not add more to it and extend the length of the loan. Please once again some one tell me I have the definition of that term ( loan modification ) wrong. Or was this something far more then ( loan modification ) but hidden the true reason under that title Please see that attach letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America very craftily has come up with a way to circumvent the FCRA. By allowing you to open a banking account, depositing funds and then closing your account cite a statement in their terms of service that says they may end the banking relationship at any time. This is a blatant violation of the FCRA which clearly states banks must provide a clear reason for denial and provide what they use to make the decision for denial Bank of America is also violating anti-discrimination laws. With language as they have written in their terms of service such as : we may end the banking relationship at any time, they have absolutely no proof accounts are not being closed based on discriminatory information, or practices. By not providing clear letters stating the reason for denials or closure and what information was used in making those decisions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: GA

Complaint narrative:
On XX/XX/2021 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I originally borrowed {$250.00} I paid back the total amount due on my next payday. I had sent an email previously and asked to extend the loan due to lack of funds. I received a phone call in reply to my email and I was offered a {$500.00} loan in exchange I had to pay off the current loan for {$250.00}. I agreed to do this. She asked me to go online following the payment date and request the new loan. When I was in the process of signing the e-documents, it was confusing and somehow I was redirected to another page during the signing process that apparently set up an extension on the first payment due. Which came with a price tag for refinancing the loan. As I stated, this was confusing and I thought it was referring back to my previous loan and now refinancing my new loan. It was not asking that, instead it was having me re-finance a loan payment that I hadn't even received the funds for yet. When the time came to have the money withdrawn via ACH. it took out more money than I allocated in my budget, which left me severely short to pay my other bills due. I called and spoke w a representative. We argued and she would not offer a solution, was extremely arrogant and I told her that if she would not compromise and replace the additional funds for the " refinancing of the loan '' that I was unaware that I even signed for, that I wanted to remove authorization immediately from Cash Central having access to withdraw monies from my account. She said they would continue to attempt withdrawals until they are paid in full. I then called my bank XXXX, and told them the situation and they suggested closing the account, so I did just that. Now, 4 weeks has went by and over a 2-day period XXXX XXXX used my debit card to withdrawal one {$600.00} in 3 separate transactions. I never gave permission for Cash Central to use my debit card, in fact, when I paid online and was asked if it was a one time payment or did I want to store the card for future transactions, I said no. They used my card from a one-time payment and had to have stored the card and used it without permission. Now I am having to wait on a fraud investigation by my bank XXXX before they return the funds and I have a car payment scheduled to debit account. This company is shady and I hope that my complaint will keep others from going through what I have had to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: VT

Complaint narrative:
Receivable Management Services has begun sending me letters and phone calls about a debt related to XXXX ( XXXX ). The first time they called, I informed then that the debt was not valid and no legal binding contract was signed. They submitted a validation and returned back to me an invoice for less than XXXX XXXX  in euro dollars. However on their latest call to me on XX/XX/11, they attempted to collect over {$100.00} dollars. the conversion of XXXX euros to USD is roughly {$47.00}. Additional XXXX via email claims I owe them XXXX. However they shut off online access, and I have no way to reconcile how they come up with that figure, and RMS will not send me the accurate account history either. The account with XXXX was a pre-paid account and they continued to bill me and can not show how they come up with their figures. I must just trust what they decide to email back to me which is then different from what RMS wants to send back to me. When dealing with XXXX  directly, they suddenly demand i send it to them via wire transfer claiming i only owed them ( XXXX ). Then when i told them to get bent that i would never wire any company money, then the amount changes to XXXX. So do i owe XXXX, XXXX, XXXX ( invoice RMS sent me as " validation '' ) or their $ XXXX they told me on the phone Saturday? nobody has the right amount! 

Additionaly this all started because XXXX would not let me back into my account to ever cancel services. Something they are known as you dig into online reviews. So in the end, they stopped my online access, prevented me from canceling, sent me bills for services i did not want or need, submit the account to RMS for different debt amounts, fail to provide accounting records to review their claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This debt collector attorney XXXX XXXX XXXX XXXX XXXX has used my private information without my express consent, authorized signature or court order. This debt collector attorney has used my private information without my express consent, authorized signature or court order. They are trying to collect on a 13years old debt with no notification or communication This attorney sent me letters attempting to collect a debt that I do not owe and sends court papers of garnishment tonwrong company. This attorney has misrepresented their real intentions and representation Desired Outcome To cease and desist attempts to debt collection activities on a 13year old debt that passed the statue of limitation and transfer debt collection to another debt collector company To not call my personal phone number and dismissed garnishment court papers. THEY ARE FRAUDULENT AND HARRASSING PEOPLE 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 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ARS National Services, Inc.
State: HI

Complaint narrative:
There has been no judgement filed against me, I was not served by ARS, I asked for validation of debt and they sent me someone elses personal file which was not mine. ( Obvious error ) call me and threatened to call my employer, they know where I work already ( but Im an independent contractor ) but Im the voice mail they threaten to call my company to embarrass me. Ruin my reputation and force me into answering by using scare tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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/2021 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Someone opened a credit card under my identity. I never opened a card until XX/XX/XXXX. They opened it on XX/XX/XXXX and seems to me that they have been doing monthly payments for about 6 months. Just trying to get rid of this payment history that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My XXXX ordered Bankruptcy was not protected. Discharged accounts were sabotaged taken and sold by bankruptcy debt buyers. The suspects go by the name of XXXX XXXX. XXXX XXXX  XXXX XXXX, NJ XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This company is mysteriously listed in my bankruptcy. Chapter XXXX discharges all debt however the company is listed in a XXXX after that. And I never owed that company anything. The company is a bankruptcy debt buying company with the main interest in chapter XXXX and XXXX debt only. ( if proper authorities investigate they will discover the same truth ) I have become a victim of a very serious crime of unlawful and unfair credit reporting with my rights being taken away by not being able to utilize the full benefits of a court ordered bankruptcy. My entire credit report has been sabotaged, scores intentionally kept low and as a result trying to rebuild has become virtually impossible. 

I know this can not be fixed, when reporting agencies intentionally report mistakes and have to fix them they almost never ever compensate the score and what was lost so I know the scores will forever be damaged. 

I am requesting the Chapter XXXX and chapter XXXX bankruptcies be removed from my reports completely. None of those discharged debts should have been left on the report for this to happen. My son just filed a chapter XXXX bankruptcy, no crime has been committed, the suspect bankruptcy debt buyer 's name is not listed in his case and all his debt has been properly removed from all three credit reporting bureaus! His bankruptcy debt has not been bought and sold. No worries of discharged accounts actively showing or inaccurately reporting. Discharged debts are a court order it is a violation to continue to report and furnish such debt as charged off, collections, lates and derogatory like you clearly see on mine. The courts ordered them discharged not derogatory ...... I will see that justice is served and I am compensated for all the damages. I have a whole stack of credit denial letters listing I have charge offs, accounts with high and unpaid balances, collections and derogatory accounts. While my credit reports furnished from XXXX, XXXX and Trans Union state otherwise. The reports were altered for what they wanted me to see. all positive reporting!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My Court ordered Bankruptcy was not protected. Discharged accounts were sabotaged taken and sold by bankruptcy debt buyers. The suspects go by the name of XXXX XXXX. XXXX XXXX  XXXX XXXX, NJ XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This company is mysteriously listed in my bankruptcy. Chapter XXXX discharges all debt however the company is listed in a XXXX after that. And I never owed that company anything. The company is a bankruptcy debt buying company with the main interest in chapter XXXX and XXXX debt only. ( if proper authorities investigate they will discover the same truth ) I have become a victim of a very serious crime of unlawful and unfair credit reporting with my rights being taken away by not being able to utilize the full benefits of a court ordered bankruptcy. My entire credit report has been sabotaged, scores intentionally kept low and as a result trying to rebuild has become virtually impossible. 

I know this can not be fixed, when reporting agencies intentionally report mistakes and have to fix them they almost never ever compensate the score and what was lost so I know the scores will forever be damaged. 

I am requesting the Chapter XXXX and chapter XXXX bankruptcies be removed from my reports completely. None of those discharged debts should have been left on the report for this to happen. My son just filed a chapter XXXX bankruptcy, no crime has been committed, the suspect bankruptcy debt buyer 's name is not listed in his case and all his debt has been properly removed from all three credit reporting bureaus! His bankruptcy debt has not been bought and sold. No worries of discharged accounts actively showing or inaccurately reporting. Discharged debts are a court order it is a violation to continue to report and furnish such debt as charged off, collections, lates and derogatory like you clearly see on mine. The courts ordered them discharged not derogatory ...... I will see that justice is served and I am compensated for all the damages. I have a whole stack of credit denial letters listing I have charge offs, accounts with high and unpaid balances, collections and derogatory accounts. While my credit reports furnished from XXXX, Equifax and XXXX XXXX state otherwise. The reports were altered for what they wanted me to see. all positive reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: AFNI INC.
State: TX

Complaint narrative:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Credit Management Control, Inc.
State: TX

Complaint narrative:
I demand you agency to remove this incorrect report as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: GA

Complaint narrative:
ON XX/XX/2021 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 I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Listen to me, this is unfair! I need a 100 % accurate and correct report. Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Westcreek Financial
State: MO

Complaint narrative:
I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched.

Company response to consumer: Closed with explanation