vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XXXX, 2006 we refinanced our home and paid to have paymentsscheduled for every XXXX weeks. This has occurred through severalservicing companies. I was notified JPMorgan Chase has boughtthe loan and they will not accept my payment schedule. They willonly accept monthly payments. As of today they could not even tellme how much I owe per month or my due date. How can a mortgagecompany change the terms of my repayment? This is unfair and willkeep me from paying down my mortgage faster. They will only acceptadditional principal payments with the monthly payment. It can not evenbe sent at a different time. My next payment is due with the old servicingcompany on XXXX XXXX and Chase " thinks '' my next payment with them isXXXX, but they do not know for sure or for how much. This could create afinancial hardship if it is in fact a whole payment due a few days later. 
Even though they think the payment is due on XXXX XXXX, they will not evenaccept payments until XXXX XXXX. How can I pay my mortgage on time andavoid negative credit history, if I do n't know when it is due or how much? 
the mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I applied for a business credit card with Chase for a brand with XXXX. They offer XXXX miles after spending {$2000.00} in the first 3 months. I disclosed to XXXX people ( underwriting/analysts ) during the application process that this was a card for a separate business XXXX which is a different legal entity of my other business, and that the reason I was applying for a separate card is because I wanted to separate the expenses of each business for tax purposes. They were ok and after completing the application I was approved. After I received the card, I started using it and met the {$2000.00} expenditure required to received the promotion of XXXX miles. AFTER THAT, they communicated to me that they were not going to award this offer because I had another business that received this promotion in less than 24 months!! They never told me about this rule during the application process nor when I received my card nor later, and they ONLY communicated this to me after I met the expenditure target ( and after they charged me also for the annual fee ), which is very malicious on their part. If I knew at front about this issue, I would never had applied for this card in the first place. 
When I contacted the customer representative, she was very rude and un respectful and did n't care at all how she treated a customer ( and a good customer as I have several accounts, all in good standing with them!!! which is even more upsetting! ). 
This is a very deceiving business practice, as they are misleading and lying to people, and they do n't want to take responsibility, ownership and honor their commitments. It is sad to see that after the financial crisis of XXXX, they continue to practice unlawful acts, without taking any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Amazon said I would get {$50.00} if I applied for a Chase credit card. Chase delayed the card and I have not received the {$50.00}. Chase sent me notice on XX/XX/XXXX, that they needed more information : 1 missing date of birth 2. Proof of billing address 3. A copy of the letter On XX/XX/XXXX I went into a Chase bank in XXXX, Texas and they faxed a copy of my drivers license, which includes my birth date and address. 

I received no response and on XX/XX/XXXX I called and they said they did not receive any information. On the same date I went back into the Chase bank in XXXX, Texas and they again faxed a copy of my drivers license. 

I have not received a response. 

I am XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: Stephen Einstein & Associates, P.C.
State: NJ

Complaint narrative:
I received a letter saying I owed a debt to XXXX XXXX services for a car loan for XXXX I am guessing that the car loan gave the to a law office by the name of Stephen Einstein & associates P.C XXXX, NY XXXX XXXX On XX/XX/2016 I received a letter stating that the creditor no longer was pursuing the debt without prejudice. so I no longer was thinking about this matter. On XX/XX/2016 I received another notice stating that the law firm was now pursing me again for this debt without any explanation I am very confused as to what to do about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Back in 2007, Chase Bank enticed consumers with an add that, basically offered {$200.00} in bonus cash if we had our payroll checks deposited electronically through them, and opened XXXX accounts with them. I did, but before I caught on to their scam, it ended up costing me hundreds of dollars! They started cashing checks that I would write, in the order of the largest check 1st, so all other checks written that day would bounce, if there were n't sufficient funds! This went on for a while before I caught on! Eventually, over {$600.00} disappeared! When confronted with the problem, they told me it was there company policy to only refund XXXX of the fees!!! If you do this to XXXX people, you can rake in XXXX, before you 're caught!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2015 my wife and I were alerted by a Chase alert that we had a very low balance in our checking account. On calling back, a Chase representativeinformed us that Chase had already advanced us money to pay off these checks. The account was frozen. On going to a Chase branch on XXXX XXXX, 2015 we reviewed our account with the rep and noticed, besides the XXXX checks where someone fraudulently signed my name to people I do not know, a telephone transfer was made on XXXX XXXX which removed the money from the savings account and transferred the funds to our checking account. Neither my wife nor I authorized the transfer nor were we aware that the transfer occurred. The rep investigated further and found that the only information provided, which allowed the transfer to occur, were the routing and checking account numbers and our names. We are submitting this claim against Chase for allowing XXXX fraudulent checks to be cashed and a telephone transfer to occur without asking any security questions which my wife and I could have answered and the thief or thieves could not. We feel that if Chase had been more vigilant, and asked the right security questions, this fraud would never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed all the credit inquires that are listed on my report and have gotten XXXX help with them being removed.

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 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Collection account reported by XXXX XXXX XXXX on XXXX/XXXX/16 for the amount of {$130.00} for original Creditor : XXXX. Last Reported XXXX/XXXX/16. Reported on TransUnion and Possibly XXXX. I have paid this bill already and has not been removed, I called TransUnion but they were unable to help me. I called XXXX XXXX XXXX but they referred me to TransUnion, I am being bounced around. I have proof of Payment confirmation for the amount due and will attach it. Please fix this as soon as possible, thank you.

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 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had disputed and tried to get some late payments that were reported by mistakes made on the banks behalf to no avail. I sent in the letters received from the creditors apologizing and wrote my letter to the bureaus requesting a dispute and to please review my documents. This company I feel has done right by me until now. Now I feel like because it was the holiday season that my stuff does n't matter. I did file a complaint and I hope this lack of responding is n't retaliation. I 've downloaded some more documentation showing missteps and violations of credit report on behalf of this company. let me know anything else thank you, 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 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My car company stopped reporting to transunion and XXXX for a year. Thats how long ive had a incorrect balance on my credit report. Ive already reported. XXXX came up with the same incorrect balance. I do not feel, like a proper investigation was done. Thank you

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 2015-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a second time ( certified mail to all XXXX bureau 's ) Transunion made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. XXXX has come to me requesting further proof of identity XXXX the exact same thing was in my XXXX affidavit mailings a copy of my state issued ID and social security card, this is just stalling XXXX and XXXX sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within 4 business days according to FCRA! therefore I am filing this dispute because I am tired XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves XXXX because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion has re-inserted XXXX twice on report.also fraudulent inquiries ( 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 2017-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Account Discovery Systems, LLC
State: WI

Complaint narrative:
Accouny Discovery Systems disclosed information about my debt to a third party without my consent. Today after requesting them not to contact me at work or any other person who is not me trying to get a hold of me, they dishonored my request and contacted my mother at HER job. Instead of keeping my information discreet, they shared that they were attempting to collect a debt from me after my mother asked who was calling. Is n't this supposed to be against the law? The fact that I am in debt should not be shared with anybody without my consent. I am getting tired of them harassing me and calling my employer and family members several times a day. I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is stating that I owe XXXX dollars. I have never had XXXX service.

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 2015-10-29 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra Recovery keeps calling and will not identify themselves stating they will send a police officer to my job and house to serve me some papers for an account that I made fraudulent bank account in order to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There were inquires that were removed then put back on my credit report without notification

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 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I disputed a collection on my credit report for XXXX and received dispute results after completing the processing of my dispute results were removed/deleted. The date Trans Union complete dispute was XXXX XXXX, 2015. On XXXX XXXX, 2015 the collection agency, XXXX XXXX, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from XXXX XXXX. Please assist in the removal of XXXX XXXX permanently. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
the Credit Reporting Agencies are showing a judgement for treatment at hospital. I have NEVER been treated at XXXX 's XXXX XXXX ( Hospital ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In 2007 I was moving and canceling my XXXX cable service. I was late returning the cable box and was negatively dinged on my credit. This was 9 years ago and it is still the first thing that comes up on my credit report. I have never been late on credit card payments and have been building my credit since I was XXXX. There also seems to be credit card delinquencies that are not substantiated and are false. This is an unfair system that does n't have sufficient oversight into correcting issues like this. Please help me! Thank you

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 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do not work and have never worked for the XXXX XXXX XXXX. 
I do not Work at XXXX XXXX -- it should read XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This is my second complaint. I opened a loan with XXXX college XX/XX/XXXX. The notation on their trade line on my files is : " First payment never received ''. This means my first delinquency date was XXXX. I never rewrote this loan, made a payment on this loan or did anything on this loan. 
XXXX reported it as a collection after receiving no payment XX/XX/XXXX. ( That notation is on the paperwork attached ). Of course the delinquency date was still XX/XX/XXXX since NO PAYMENT WAS EVER MADE. To illegally manipulate the bureau 's obsolescence programs and VIOLATE FEDERAL LAW they changed it back to 180 days late XX/XX/XXXX. Apparently so that this stays on my credit file for the rest of my life. 
I filed a complaint and all TU did was tell CFPB that they sent the dispute to XXXX and XXXX verified it was correct. ARE YOU KIDDING ME? THIS IS SIMPLE MATH PEOPLE. NO PAYMENT SINCE XX/XX/XXXX ... changed to collection and then back to 180 days late. DO I HAVE TO SUE TRANS UNION TO GET THEM TO OBEY THE LAW? 
Please pay attention to the historical payment detail attached and force Trans Union to obey the law. 
You folks really should publish this one. I understand this manipulation of account status is the number one way companies keep things on people 's credit reports for the rest of their lives.

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 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently paid down XXXX of my credit cards to reduce my utilization. Transunion has not updated any of the accounts. I checked with the creditors who are advising that they send the information over to all of the bureaus. Transunion has also allowed a collection company GC services to update a collection account XXXX times within two weeks. The update now includes an incorrect amount. These are strategy 's by Transunion to keep my score low. I also disputed a tax collection account in the amount of {$80.00} the investigation was due to be completed XXXX XXXX 2017. When i logged in the check the status of the investigation I discovered that the dipute was no longer active. I had to start a new dispute on the item. The item has been paid and was the mortgage companys responsibility. The actions of Transunion has caused me financial harm.

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 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are multiple inquiries reporting on my credit report and I have reached out to TransUnion multiple times letting them know I did not authorize the inquires. I am always told I need to contact the creditor, which I have tried and have not been successful. I call TransUnion back, and no one attempts to assist me and tell me there is nothing that can be done. 

The companies that I did not authorize are as followed : XXXX Inquiry Date XX/XX/2016 XXXX Inquiry Date XX/XX/2016 XXXX Inquiry Dates XX/XX/2016, XX/XX/2016, XX/XX/2016

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 2016-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After a plethora, and nearly years of arguing with Transunion, they finally accepted my multiple police reports, FBI complaints, Texas AG complaints, and FTC ID Theft document and blocked all the fraud accounts. I checked my monthly report only to find one of the most nefarious of all FRAUDULENT ACCOUNTS BEING REPORTED, XXXX XXXX WITH A BALANCE OF XXXX According to the credit reports I have saved over the years of this nightmare with Trans Union this account was blocked 9 months ago. I never received any word that it was reinserted, at this juncture its illegal for them to have done so without informing me but more egregious is the fact the account is BONA FIDE FRAUD.

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