vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: Cedars Business Services, LLC
State: PA

Complaint narrative:
I had a collection account showing on my XXXX credit report, I tried to dispute the account online many times, because it was really unfair to have this account on my report because the moment the collection agency contacted me I paid in full especially the orginal creditor is from a foreign country who sold the account to the collection agency. 

However, the account was removed from my report on XX/XX/2021 and now its back in my report!!! How is that possible!!! When I was speaking to dispute XXXX from XXXX she said it wasnt removed!! How is it possible they play with my credit report?!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On Janurary XXXX XXXX I sent letters out to all three credit bureaus about the account XXXX XXXX XXXX that is listed on my report as XXXX $ debt. By law they have 30 days to validate and send correspondences showing and validating this debt. They have sent back no correspondence letters to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
I previously disputed items that was not mine i sent in FTC report contacted my lawyer and sent in a dispute for a investigation I was never notified that my dispute was filed I contacted FTC to come up with a plan this is my next step before I filed a law suit because I trying to move on from this situations I was incarcerated when these accounts was opened and that's against the law to let individuals use my information and me being treated like a criminal ALL over again for a crime I didn't commit.

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously disputed items that was not mine i sent in FTC report contacted my lawyer and sent in a dispute for a investigation I was never notified that my dispute was filed I contacted FTC to come up with a plan this is my next step before I filed a law suit because I trying to move on from this situations I was incarcerated when these accounts was opened and that's against the law to let individuals use my information and me being treated like a criminal ALL over again for a crime I didn't commit.

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 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Bank has had my refinance mortgage application for 10 months, process that is supposed to last no more than 90 days. 

On XX/XX/2020 ( 10 month ago ) I submitted a loan application to refinance my home 's mortgage with Chase Bank. The designated officer at that time to manage the application was XXXX XXXX. Then, two months ( XXXX ) later the officer XXXX XXXX ( XXXX ) was added to the team at chase to be handling the process, and she started asking for documents right away. In XXXX another XXXX was added to the team, XXXX XXXX ( XXXX ), she has been the one talking to me to me so far. After sent a complaint by email on XX/XX/2020 requesting for a faster handling of the application, XXXX XXXX ( XXXX ) has been evolved in the process. 

The delay brings two big problems for me ; 1st, I can not do any mayor transitions because it could affect the process. And 2nd, in case of been denied the application, the delay takes away the possibility of being able to apply in another bank to take advantage of the low loan rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
I have disputes this debt numerous times with the three credit bureaus, and also have sent numerous notarized letters to this company, I have never receive a response back, and I get to the point that I can't no longer dispute on the bureau anymore and contacting this company is very frustrating, they have two addresses listed and I've sent numerous notarized letters to both address to let them know that I am disputing this debt because it does not belongs to me, but I never receive a reply from the company. I don't know this company and I have never done any business with them. I have never receive any letters or email or phone calls from this company that put mess up my credit with their fraud collection, I called the hospital they put cause I have not been there, they said they have nothing on me, try to contact the collection agencies, I tried I even put up buying a house for my kids to get this taking care of but no action is taking place on this company part to remove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Chime Financial Inc
State: TN

Complaint narrative:
on XX/XX/2021, a charge alert on my Chime debit card for {$560.00} at XXXX XXXX took place. I did not make this transaction. there is no way physically possible I could make this transaction being it was in a state hundreds of miles away. I contacted Chime to dispute the charge and they informed me it had to be settled before I could file the claim. the person informed me the charge took place in the state of Arizona. I live in Tennessee. By then the charge had been broken into two charges, one for {$50.00} and one for {$510.00}. When you add them together you get {$560.00}. on XX/XX/XXXX, I filed a claim for fraudulent transaction, filled out the paperwork and sent it back to Chime 's claim department. A few hours later I received an email stating my claim was denied and no error occurred. I immediately contacted Chime to speak to a manager to help resolve this issue. he informed me he needed some proof I was in Tennessee when this transaction took place not Arizona. I sent him a picture of two receipts from XX/XX/XXXX showing I was in Tennessee when this fraudulent transaction took place. Later that night on XX/XX/XXXX, I received an email stating, in so many words, that since I've done business at XXXX previously, that these particular transactions couldn't be fraudulent, despite the fact of location differences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
I previously disputed information on my credit report that don't belong to me I asked for a investigation and I was not given and I information about my investigation beginning or ending. I contacted this company to see if my investigation was processed this company denied ever receiving my disputed so I contacted a attorney I ask for legal advise I was advised to file a police report and a report with FTC and we came up with a plan of things to do before I file a lawsuit so I'm making a complaint because I don't want this to happen to someone else that is seeking justice for a crime that was committed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: KY

Complaint narrative:
The credit collection agency is stating this debt occured when I was not a resident of the state, nor had I been medically treated in that state at the time of the bill. It is apparently an emergency room bill for my daughter that should have been billed to insurance via the hospital. The hospital stated several times they resubmitted the bill for insurance. IF this bill occured while I was residing in the state, it would have been during XXXX which is outside the statute of limitations for Pennsylvania medical debt. 

The credit agency purchased the debt though XXXX XXXX XXXX. The collection agency is violating HIPAA regulations and privacy protections by having additional medical information and detailed documentation that they are not authorized to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: IN

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I spoke with Target Card Services regarding a delinquency record posted on my credit file. My account showed a transaction of {$9.00} posted on XX/XX/XXXX. This transaction caused my account, which previously was paid off, to hold a balance for that amount unbeknownst to me. The account went into past due balance for over a month for non-payment. I told the Rep that the charge was not made by me nor anyone in my household. As a result, The Target Card Services Rep suggested that I submit a dispute to the credit bureaus and stated that the information would then be corrected. 

On XX/XX/XXXX I contacted Target Card Services again regarding a letter sent to me stating the decision they made to decline the dispute made with the three major credit bureaus concerning my account. " Information is correct '' was the result of the dispute. 
The representative basically said she " didn't think it was fraud '' and declined to update the information. 

After explaining this to Target Card Services, several times, my dispute was denied. How can I be held liable for an unauthorized charge made on my account resulting in delinquency? I was unaware of the charge as well as the balance. I've been a customer since XXXX and I have NEVER made a late payment. My account is now current as I paid the past due amount ( even though I didn't make the purchase ) to avoid more negative reporting. 

On XX/XX/XXXX I mailed a certified letter to Target Card Services, again explaining my case. I will attach this letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: MN

Complaint narrative:
This account is not mine, I did not purchase anything from this timeshare company. They have been billing me and I've made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. XXXXXXXX XXXX took my information they had on file and fraudulently used it without my permission to open this account. They have been reporting this inaccurate account and it is hurting my financial stability. This is a scam. I demand this to be thoroughly investigated promptly. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX but Ive had no responses. Ive sent out requests to Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have filed a dispute three times with PNC bank. The first was in XX/XX/XXXX after I received notification from XXXX that they had filed for bankruptcy. It was denied by the bank for not enough information. I put in a second request in XX/XX/XXXX and provided documentation to support my claim and it was denied again. I provided documentation from the lawyer in which it states that by law the bank has to refund my money due to the company filing for bankruptcy during the third request two weeks later. Nothing but the same circle from PNC. They have been provided with the chargeback codes and everything but they are just sitting on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureaus disputing a series of erroneous accounts in my credit report and the credit bureaus have never responded to my disputes, they have not even taken the trouble to notify me of the status of my disputes currently. They are reporting accounts that are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/17 Citibank took the overdrafted amount out of my government stimulus payment. Spoke to XXXX a Citibank supervisor at XXXX am. He stated the bank would not honor the statement they made about forgiving negative balances for XXXX days so people can receive the full amount of their stimulus. He placed me on hold and hung up the phone.

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 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase bank, I have been able to assess my account for months and make payments but now they have closed my account this morning. I called and explain the situation but they claimed my account was closed yesterday with us false because I was able to access and had no messages stating date of closure. I have an over draft fee on my account and was putting as little as I could to pay it off but they were saying this was over XXXX and has not been but XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, I disputed an ATM transaction with Bank of America in the amount of {$700.00}. Within the same hour, my account was frozen and I was unable to access my remaining funds. I called the Bank of America to get clarification on why my account was frozen in which they directed me to contact the XXXX XXXXXXXX XXXX Department. After being prompted to contact XXXX, I spoke to XXXX  on XX/XX/2021 who and informed me that I needed to provide ID verification, which I provided through the XXXX website. On XX/XX/2021, I spoke to a XXXX representative who informed me there are no issues with my account or verification on their end, they also referred me back to Bank of America to obtain bank account access. I called Bank of America again the same day to get an update on my account status and claim, in which they stated that they do not have access to since the account is frozen for fraudulent activity. Over the period of a week, from XX/XX/XXXX to XX/XX/XXXX, I have called Bank of America XXXX to get an account update, to which they claim they are unable to give me. I have confirmed with XXXX through several different phone calls that my XXXX account has no verification or fraud issue and each time I am told to contact Back of XXXX for access to my account. On XX/XX/2021, I received a letter dated XX/XX/2021 stating : Your claim has been closed because we believe the account or the claim have been the subject of fraud or suspicious activity. Any temporary credit that was applied to your account related to this claim, including any fee related reimbursement or fees, has been or will be debited from your account and reflected in your available balance, if any. I contacted Bank of America again on XX/XX/XXXX to reopen my claim and get account access, in which I told that my account is frozen and they are unable to help me until my account is unfrozen. I am concerned I XXXX not have access to my account to pay my bills. I am supposed to receive an XXXX  payment this upcoming Monday. I will not have access to the payment until Bank of America unfreezes my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureaus disputing a series of erroneous accounts in my credit report and the credit bureaus have never responded to my disputes, they have not even taken the trouble to notify me of the status of my disputes currently. They are reporting accounts that are ruining my credit.

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