vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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 — 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 regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I completed a settlement agreement with Chase Card Services, ( Chase Bank ), initiated by Chase, to pay a portion of the outstanding debt related to my credit card. In return, Chase agreed to forgive the remaining balance on the account. I adhered to the terms of the settlement agreement and the account was closed and I was no longer indebted to Chase. Effectively, I agreed to Chase 's proposal, my remaining debt was forgiven, my account was closed and I now did not owe anything to Chase. In fact, my relationship with Chase was terminated at this time. 

On or about XX/XX/XXXX I entered into a refund arrangement with merchant XXXX to return an item purchased there in XXXX and they agreed to issue me a check for the refund. They mistakenly credited the refund to my closed Chase credit card account and Chase accepted the funds. The amount of the refund is {$1700.00} ( transaction id # XXXX ). 

I contacted Chase and spoke to supervisor XXXX, id # XXXX and was told that Chase would not be returning the funds to me or XXXX but would instead be using the funds to settle outstanding debt on the account. I contacted other depts at Chase ( Fraud dept, payments dept, recovery dept ) and was effectively told the same thing. I believe that Chase is not entitled to do this because, per our settlement agreement, I have no outstanding debt to Chase to settle and these funds were clearly being sent by XXXX with the intention that they would be received by me with Chase operating as my agent. These are the issues : 1. Misappropriation of funds/theft : Chase is intercepting/withholding funds belonging to me under the auspices of settling a debt that I do not owe. 

2. Fraud/bad faith : Chase accepted the transfer of funds from XXXX that were meant for my benefit using an account that has been closed for more than one year that I have no access to or control over. Chase should have rejected the transfer because the account was closed. Chase should have disclosed to XXXX that the account was closed and that the funds would not reach the intended recipient ( me ). 

3. Breach of Contract/ethics : Chase had entered into an agreement to settle the account and forgive the outstanding debt if certain conditions were met. Chase is now, effectively, ignoring that contract and re-writing the terms of it. 

I expect Chase to reimburse the funds that belong to me from the XXXX refund. In spite of my request for documentation supporting their claims, Chase has not provided any evidence in writing or contractually or through disclosures that supports their opinion that these funds belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: AR

Complaint narrative:
Fraud debt collector. Repeated daily phone calls blocked by XXXX. The phone number from this fraud is XXXX. I do Not owe any debts, & this phone # has been reported as fraud. I want these people caught!!

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 2021-12-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I authorized a transaction for {$250.00} via Cash App to a local person for a 70 inch TV that I was suppose to receive later that night. We have had dealings in the past so I thought I could trust him but I was wrong. On XX/XX/2021 I sent him a request via Cash App for the money back because I still did not have the TV in my possession he declined it. I also wrote him messages via XXXX asking if he had the TV or not and if not send my {$250.00} back. He never responded so I contacted my bank XXXX to dispute the charges on XX/XX/2021. I received a notice on XX/XX/2021 stating the transaction was authorized or correct and they are reversing the money back to the person for the item I never received. I called XXXX XX/XX/2021 after noticing my account was overdrawn for over {$200.00}. They informed me that they did not have the authority to get the funds for me because Cash App is a separate medium and Ill have to go through them to get my money back which is unbelievable because I disputed a {$25.00} Cash App transaction through XXXX the same day as the {$250.00} transaction. It was approved and final.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My personal information ( identity ), debit cards and multiple credit cards were stolen with my cellphone on the night of XX/XX/2019 my chase accounts were accessed fraudulently and my account info was changed without my permission or knowledge in regard to my pin, atm withdrawal limits, overdraft protection, and online banking login credentials. A blonde female unknown to me wearing green accesses my account at atm at XXXX XXXX XXXX XXXX XXXX La and made 2 withdrawals in the amount of {$200.00} and {$800.00} at approx XXXX and XXXX AM morning Of XXXX XXXX. Local police have provided me with image from ATM from Corporate Security ( image has been attached with this complaint ). I have reported these fraudulent transactions to Chase multiple times and I have submitted two police reports in regard to the above. In addition to the unauthorized atm withdrawals, Multiple individuals including the blonde female in green and two other gentlemen were noted in XXXX police report submitted to chase bank using my stole. Credit and debit cards at approximately XXXX AM the morning of XX/XX/2019. Chase has determined that the debit and credit card charges made were fraud but indicates the atm withdraws total of {$1000.00} were correct. I did not make, permit, or authorize any atm withdrawals by any individuals. And I did not make the atm withdrawal. I have photo showing gurl in green making the atm withdrawal provided by XXXX XXXX police officer detective XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 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: CT

Complaint narrative:
XXXX XXXX and XXXX XXXX  XXXX are reporting me late when Im not late.

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 2021-12-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Collections Inc
State: GA

Complaint narrative:
I have been referred to an agency because of a mistake a business made on a purchase. They refunded me ( in their opinion too much ) when I was overcharged for some floor tile. I have no credit account with company- they are trying to collect money not owed. Since I would not pay what they say I owed XXXX dollars- I was referred to a very aggressive collector. The collector not only wants the XXXX but a service charge for their service. They are contacting me at work after I told them the number is for work only. I told them I was collecting info to pass along to you and they continue to harrass me. 

They have called multiple times- attached is one attempt at collecton. 

XXXX if you see this and is anything other than a stealing your living in a fantasy world young man this is XXXX calling once again from asset collections Inc. we are the collection agency for XXXX XXXX XXXX XXXX XXXX ___ when you take something and you're supposed to pay for it and you don't it's called dealing young man you need to step up here and hold yourself accountable __ the best you can do in the way of making restitution to your victim being at XXXX pound stone if the best you can do to make restitution _______ __ ____ monthly payments then that's what you do what you don't do it you don't hide behind your voicemail OK my number here is XXXX extension XXXX XXXX it's not OK to steal from people you know that I'm guessing this is a result of the running into some cash flow problems with that's OK cause you can make restitution give me a call back and let 's get you set up on a monthly payment so you can get this thing paid and behind you telephone number is XXXX extension XXXX and by the way I invite you to speak with my supervisor here he's also happens to be the owner of this company his name is XXXX XXXX at the same telephone number at extension XXXX again my number is XXXX extension XXXX and it's XXXX asset collections case number here for you was XXXX and I will expect a return call promptly XXXX Please help me with them. This is a nightmare 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 2021-12-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXXXXXX are reporting me late, when Im not.

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 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX and Discover charged $ thousands to my rarely used card and 2 others while REFUSING to respond to me. I refused Discover mailing to open a replacement card and responded I wld only reconsider AFTER they handled fraud. ( Both XXXX and XXXX fixed within 1 month ). I had to close all 3 cards and reschedule payments.Eventually XXXX ( XXXX XXXX XXXX XXXX XXXX ) initiated conference call to Discover re : issuing new card and notifying XXXX XXXX XXXX. We spoke to 7 Discover employees who did nothing over 2 1/2 hour call. Now my credit rating has dropped drastically. I M XXXX and limited in XXXX XXXX XXXX. Please CALL me for details XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This account is not mine. The name of company is MIDLAND CREDIT and this account was opened on XX/XX/XXXX. I am a victim of identity fraud and I have spoke with both creditor and credit bureaus about this account and it has been removed from all three bureaus but has been put back on my XXXX only. I requested for more information pertaining to this account from both creditor and credit bureaus and nothing has been sent in over 90 days. 

XXXX XXXX XXXX XXXX was opened XX/XX/XXXX and its reporting inaccurate/incorrect information pertaining to late payments and I requested for proof by creditor and credit bureaus and both told me they cant provide further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My loan was with XXXX mortgage. I signed all my docs with them with no escrow included, I was paying my taxes every year plus my home insurance no payment missed. I have all documents to prove. My mortgage payment was {$1000.00} every month. 4 months ago I find out PHH mortgage bought out my loan. Loan number XXXX Name XXXX XXXX Address XXXX XXXX XXXX XXXX TX XXXX. My dir number XXXX. I have been with these people almost 4 months. These people added escrow to my account and raised my monthly mortgage payments to {$2200.00}, even there is no escrow shortage and provide them all the tax docs I paid last year and this year. I sent all the docs they needed to fix my account. These people sitting in a different country committing fraud to a consumer. I have been paying over for the last 4 months, communicating with these people almost 4 month but they dont listen. I would go legal if it dont get fix soon. I want them to fix my mortgage payments back to where it was and refund my amount I was paying um for last 4 month asap,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: CT

Complaint narrative:
XXXX XXXX and XXXX XXXXXXXX XXXX are reporting me late when Im not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I tried contacting the creditor Navy Federal Credit Union to inquire about the account in question and was told they don't have any legitimacy or verifiable information that ties this account to me. When I spoke to a representative I asked if they have any kind of contract, full account number, and/or my full SSN associated with this account and I was told that it has been transferred to another company called The XXXX XXXX based in California. I then proceeded to call The XXXX XXXX about the erroneous account and was told they only have a partial name of said person with the charge-off account in question. I then asked could you produce any legitimacy or verifiable information in regards to my full legal name, Full SSN, full account number, or a contract with a wet signature of mine with this erroneous account? They told me they do not have that information and to call Navy Federal. I have been getting the runaround with Navy Federal and The XXXX XXXX about this account. I tried contacting the Credit Bureaus as well which stated according to Identity Theft pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) stated that account needed to be deleted in 4 days if they can not produce verifiable documents associating me to this account. XXXX has deleted the account, but XXXX and XXXX have failed to do so. Ive also filed a Mistaken/Identity Theft report with the Federal Trade Commission ( FTC ) to expedite this, as I attached a copy of that report to this e-mail to get this deleted/removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently viewed my credit report and i was distraught to lean that Experian had placed inaccurate information on my credit report. I proceeded to tell them that the inaccurate information was ONLY reporting to them and according to the law, it is my right as a consumer to have a 100 % accurate credit report. XXXX and XXXX are not reporting that information therefore it CAN NOT be accurate and must be deleted. Enclosed is a copy of my credit report showing Experian is in clear violating the law by posting inaccurate information on my credit report disputed inaccurate information on my credit report with Experian. 

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 2021-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My loan matured on XXXX XXXX I knew I had about {$1500.00} in late fees accrued on loan. I contacted Santander before loan matured to try and see if late fees could be negotiated to be able to pay off loan on time. I was advised no that would not be an option for me. 
Once loan matured, I was able to pay the balance owed on loan on XX/XX/21 Balance {$940.00} so that I would only be left w/ late fees to pay later since I did not have the money at this time to pay them. On XXXX XXXX I found out due to credit reporting that they reported me over 30 days past due for principal they state I still owe of {$440.00}. 
I again contact Santander XX/XX/21 spoke to a representative by the name of XXXX. I requested the amount applied to late fees XX/XX/21 of {$430.00} to please be reversed and applied to balance owed. So that I would only owe late fees to pay at later time. Per her supervisor she was advised that would not be able to be done. 
To my prevail prior to this effecting my credit I tried to work w/ Santander In negotiation w/ late fees and I was turned down. After what I thought, I had finally finished paying off my loan they are still maintaining my loan accruing interest, accruing late fees and reporting negative on my credit. 
I believe Santander is in violation of credit reposting on my account and for not wanting to rectify this matter and refusing to work a possible resolution on late fees before all of this occurred. I have enclosed all supporting documents.

Company response to consumer: Closed with monetary relief