vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
AS PREVIOUSLY EXPLAINED IN A " CLOSED '' COMPLAINT NUMBERED XXXX XXXX XXXX XXXX, A PAID EMPLOYEE AT CHASE BANK FRAUDULENTLY REVERSED {$890.00} DOLLARS OF A {$900.00} DOLLAR PAYMENT THAT I MADE TO XXXX XXXX XXXX ON XX/XX/XXXX. 
AGAIN, I DID NOT MAKE SUCH A CLAIM, AND CHASE BANK CAN NOT PROVE WHY WOULD I DISPUTE ALL OF THE PAYMENT EXCEPT {$9.00} DOLLARS? ESPECIALLY SINCE THIS PAYMENT WAS TO ZERO OUT MY EXISTING XXXX XXXX  BALANCE! 
AS OF XX/XX/XXXX, XXXX XXXX XXXX IS CHARGING ME THE {$890.00} DOLLARS THAT WAS REVERSED UNAUTHORIZED AND HAS LISTED IT AS A, " RETURNED PAYMENT, '' ALTHOUGH CHASE BANK HAS REPORTED TO THIS BUREAU IN THE ABOVE NUMBERED CASE THAT MY CHECKING ACCOUNT XXXX HAS BEEN GIVEN CREDIT FOR THE {$890.00} DOLLARS. 
THE ROOT PROBLEM IS THAT THE FALSE CLAIM SHOULD NOT HAVE EVER BEEN MADE. 
MY PAYMENT MADE SINCE XX/XX/XXXX WAS TAMPERED WITH, AND CHASE BANK IS RESPONSIBLE FOR ITS AGENT IN THE CLAIM DEPARTMENT WHO NOT ONLY PROCESSED THE FAKE XXXX XXXX XXXX  CLAIM, BUT THE FAKE RISE CLAIM FROM XX/XX/XXXX AS WELL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The company is Equifax I have filed a complaint before an they are still saying I have delinquent credit card balance and I dont I dont understand why they keep lowering my score when I have excellent pay history but it states on my report I just looked at credit card delinquent can u please resolve this for me U raise my grandchildren after my daughter passed away an trying to but. Home I cant with these reports XXXX is lowering my score an I have excellent pay I dont understand how they can do this they ruin people Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: MD

Complaint narrative:
I write to report about the company XXXX XXXX XXXX registered as XXXX XXXX XXXXXXXX XXXX for predatory practice. 
They found me from XXXX and called me some time last year to propose a match-making for professional singles. I was hesitant about the cost but they told me it was a monthly paid service and that I could opt out at any time. I told them that it is practice for me to sleep over every new proposal before deciding. She assured me that no worries, I wont be charged but and that its required to provide a Credit card but I still have time to decide. She then forwarded tons registration documents to virtually sign while assuring me on the phone that I can rely on her assurance that I wont be charged up front. 

What happened was different in that my account got charged {$500.00} which she had told me nothing about. Also I was denied the ability to opt out when I called about one or two days later to opt out. They had not provided me no service and have since not provided me any service. They have since sent my information to demanding {$2300.00} besides the {$500.00} for no services provided at all. 

I can only imagine how many Americans have to suffer from such companies that go unchecked. I will appreciate if you could call them to book and resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
On XX/XX/2020 Planet Home lending was assigned servicing of loan from XXXX XXXX XXXX In Breach of contract breached from XXXX XXXX Inc.4 times. Per note Giving of Notice, Any notice that must be given to me under this note will be given by delivering it or by certified mail addressed to me at the address above. Document A as of today this assignment has never been delivered according to terms Breaching contract. Planet Home Lending can not provide a clear assignment from XXXX XXXX XXXXXXXX to Planet Home Lending as requested with out proof of loan no payments could be made and loan balance is incorrect, questioning validity of transfer or fraud. Planet Home Lending did not notify me of acceleration of loan, by terms 2nd Breach of contract. Planet Home lending has sent fraudulent information a copy of 1st mortgage which violates privacy they should not have this document, Fraud document B. I am sure They had looked over all documents, as they sent twice. second letter was to XXXX XXXX violating privacy again this was not error or over site, this is fraud. Planet Home Lending took 13 months to Make any contact with me after their a ledge service and another 7 months stalling resolution beyond my resolution at the cost of {$30000.00} and much XXXX. planet Home lending has been nothing but dishonest and violating good faith as a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I am being harassed, threatened, and my private information is being sold to companies that I did not give consent to contact me. I dont feel safe anymore and my personal property was stolen because Santander consumer Usa has shared my private information with 2 other companies and I have an active cease and desist out against Santander . My car was stolen from in front of my friends home on XX/XX/XXXX after Santander violated my right to privacy! They sold my information to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never gave them consent to give out my location information or any of my personal private information to these companies! This is my third complaint against this company with the cfpb and they are continuing to threaten, harass, and abuse me. I dont feel safe with this company continuing to violate my right to privacy along with the numerous other federal laws that they are violating! I have sent this company two affidavits of truths that were never rebutted and a cease in desist. Ive also asked this company for verification of the debt? They have directly violated the fair debt collection practice that states if a debt is disputed the debt collector shall cease collection of the debt. The debt was disputed in XXXX of XXXX and within the affidavit I sent them I specifically requested that my information not be shared and they have not only shared my information with these two companies that came to my friends house and stole my car but also have been reported on my credit report. This is ridiculous the amount of harassment I have endured from this company. They illegally repossessed my vehicle and is threatening to sell my vehicle at an auction on XX/XX/XXXX. And I demand that my vehicle be released and returned to me. I have lost out on business due to my car being stolen and this has caused alot of mental anguish. The company is trying to provide a deceptive contract as validation but I asked them for verification and they never responded. Santander is participating in racketeering activities!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Precursor : I am a XXXX XXXX perfect payer ( for over 25 years ). 

I opened a Marriott XXXX, " Chase '', rewards card with a promotional 150,000 Marriot points awarded for spending {$3000.00} during the first three billing cycles. I met this purchase minimum. Chase ( phone XXXX XXXX XXXX ) broke the terms of the agreement and instead awarded me 50K x 3 vouchers that expire in 2022. THAT IS NOT WHAT I SIGNED UP FOR. The 150,000 points, based on my usage, would not have expired. The 50K x 3 vouchers I was awarded expire. I called Chase twice and have only received two things 1. A form letter with no detail ; and 2. Service representative who was unable to do anything. Please seek to rectify this problem with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The company is XXXX I have filed a complaint before an they are still saying I have delinquent credit card balance and I dont I dont understand why they keep lowering my score when I have excellent pay history but it states on my report I just looked at credit card delinquent can u please resolve this for me U raise my grandchildren after my daughter passed away an trying to but. Home I cant with these reports Transunion is lowering my score an I have excellent pay I dont understand how they can do this they ruin people Thank you 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 2022-01-15 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: CA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Shindler Law Firm
State: IL

Complaint narrative:
ne would get back with me from XXXX XXXXl as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX/2021- I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with XXXX XXXX/2021- prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from XXXX on the phone and no one ever called me back or sent anything in the mail. 
XXXX/2021- I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. 
XXXX I receive a summons from XXXXXXXX XXXX XXXXXXXX in regards to XXXX XXXX stating that I would have to appear in court in regards to the vehicle. I never received anything from XXXX or XXXXXXXX XXXX XXXXXXXX in regards to owing a debt no one ever reached out to me in regards to the debt. 
XXXX/2021- I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXXXXXX XXXX XXXXXXXX and no one ever returned my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: VA

Complaint narrative:
This submission is NOT from a third party, I XXXX XXXX XXXX XXXX the natural person, consumer & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX-22 I sent a certified letter to Transunion informing them on the unauthorized use of my credit report. Pursuant to the FCRA my credit report shouldnt include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They currently have 4 accounts that theyre reporting that I did not give consent to. I need assistance with these crooks who are bypassing the law & have proved their actions are for personal gain. I gave them 7 days upon receipt to delete immediately and send a copy of such deletion. They received my correspondence on XXXX-22.

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 2022-01-15 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: MA

Complaint narrative:
I have disputed this many times with all three credit bureaus and have has been not resolved. Specifically, the dispute involved XXXX late payment in 2019. I have contacted the company, as that's what the credit bureaus suggested. The company XXXX states that they have reported no late payments. In fact, XXXX originaly made a mistake by charging me a late payment fee, and adding this information to the credit bureaus. Upon me contacting them the first time, they reversed this information and reimbursed me any late fees that they accidentally charged me. 
Recently the credit bureau 's re added this late payment to my credit report, lowering my credit score more than 40 points, this is affecting my personal finances, and the credit bureaus are failing to provide a proper investigation to fix this issue. They state that they have contacted XXXX and dated all and any information. This is a complete lie, as if they contacted XXXX as I have multiple times, they will know that I have never made a late payment. And fix my credit score. I want these credit bureaus to fix my credit score as they keep adding false information such as late payments that are not factual. 
To reiterate, there should be no late payments under the account held with 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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
ne would get back with me from prestige financial as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX/2021- I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with prestige XXXX/2021- prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from prestige on the phone and no one ever called me back or sent anything in the mail. 
XXXX/2021- I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. 
XXXX I receive a summons from XXXX XXXX XXXX in regards to XXXX XXXX stating that I would have to appear in court in regards to the vehicle. I never received anything from XXXX or XXXX XXXX XXXXXXXX in regards to owing a debt no one ever reached out to me in regards to the debt. 
XXXX/2021- I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXX XXXX XXXX and no one ever returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation