vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS ON THERE THAT WERE ARE NOT MINE. REFER TO BELOW DISPUTED ACCOUNTS AND THE IDENTITY THEFT POLICE REPORT. 
PLEASE REFER TO ATTACHED XXXX  REPORT. PLEASE FOLLOW SUIT AND DELETE THESE ACCOUNTS FROM MY CREDIT FILE AS THEY ARE NOT MINE. THIS IS AN OBVIOUS CONTRADICTION SO PLEASE ADHERE TO THE FCRA LAWS. 
A XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS REGARDING THE GIVEN INFORMATION. THESE MAKE FIVE 30 DAY DEADLINE DATE VIOLATIONS UNDER FCRA GUIDELINES.

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 2020-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wanted to take advantage of the XXXX  bonus to open up a new checking account with Chase bank. 

I rushed to my local Chase and promptly opened up my account. I asked the Chase employee if i was eligilble for the {XXXX  She responded with a firm " No '', with not checking terms. 
I was already prepared to switch over from another bank so i ended up opening an account anyways. 

I had had chase over 5 years ago, so the employee told me i was not eligible. 

After reading the fine print today, i WAS and AM in fact eligible for this promotion. 

I have the employees name and branch if needed. 

I would to be included in this promotion, be it that i already set up direct deposit. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I was scammed out of XXXX dollars I contacted the scammer asking for a refund or to send my money back and was blocked I then sent a complaint to cash app about the issue with proof and they still didnt want to help with the issue Im having a hard time right out Im out of work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: FL

Complaint narrative:
TODAYS DATEXXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA  XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX Texas XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020+ {$6500.00} Closed XXXX XXXX Reported :XX/XX/2020 + {$5000.00} Closed XXXX XXXX Reported : XX/XX/2020+ {$1300.00} Closed XXXX XXXX Reported : XX/XX/2020+ {$8700.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL 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 2020-04-18 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/2020 XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX  Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXXXXXX XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020+ {$6500.00} Closed XXXX XXXX Reported : XX/XX/2020 + {$5000.00} Closed XXXX XXXX Reported : XX/XX/2020+ {$1300.00} Closed XXXX XXXX Reported : XX/XX/2020+ {$8700.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OH

Complaint narrative:
I have filed for a discharge of my loans and Fedloan keeps adding interest to my account, while it is in dispute and has been for over two years. XXXX XXXX has been refusing to review loan discharges from from fraudulent schools, such as XXXX XXXX, which I attended. My loans are in deferment, but the interest is adding up @ over {$800.00} per month and being reported to the credit agencies. This is unacceptable and needs to be remedied. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UHG, LLC
State: CA

Complaint narrative:
I was notified by a collection account United Holding Group by a they made to my wife I requested that all communication be made via U.S mail and that any phone called would be recorded sense they threaten sue me and put lien on my home, i ask them to forward any paperwork to that showed i owed them money or had a debt with them, they could not show me any thing and didn't supply me with the paperwork i requested. now after almost sense months later they have team up with another collection company never giving copies of the debt they are trying to collect on and threatening legal action with a company called persolve legal group with have a tendency to file lots a law suits to try get a judgement against you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
Received this letter at our office. I have never done business with the mentioned company, owner, or associates and believe this may be a scam. 

The demand letter never references services rendered, legal agreements of service, or anything other than send them money. 

The company supposedly I owe money to, Ive never seen, met, interacted with.

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 2020-04-18 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2020 & XX/XX/2020 my 2 Chase credit cards number 's XXXX & XXXX were hacked ( through identity theft ) of {$19000.00} to a XXXX XXXX? with a foreign transaction fee of XXXX ( XXXX ). 
And on card XXXX a charge of {$21000.00} to the same XXXX XXXX  and a foreign transaction fee of {$650.00}, these were and are preposterous theft charges not of my doing! After 2 months of fraud investagation they ( the Chase fraud department ) decided that I had gotten some sort of a benefit which they have refused to return my emails, telephone calls and faxes with the proof that I have asked for and have the right too. Isn't chase required to provide proof of my guilt before making me pay for something that I had nothing to do with?! During this time it seems as if they ( Chase XXXX feel that if they ignore the problem ( that I did not cause ) that I will just pay what I don't owe and go away. Since I am not in the wrong I just want the two bills cancelled because I will not go away until that happens. I also need from Chase Bank copies of my checking and savings accounts ckng # XXXX and sav # XXXX for the months of XXXX, XXXX, and XX/XX/2020 XXXX these accounts are closed after they to where cleaned out! ) for 2 police departments for the identity theft investigation. I have asked for the latter but to no avail! 
I understand if Chase is too busy to answer their phones in over 2 hours or emails but I need to help the authorities catch these people and they need the information from Chase!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: CA

Complaint narrative:
On XX/XX/2020 I applied for the COVID-19 SBA relief funds and was denied because of my credit score being under 640. After calling XXXX XXXX they explained to me there was an auto loan account that is behind as well as some collection accounts. These accounts do not belong to me and I have never lived at the address these accounts are associated with. I have called the companies to report the issue and I have also filed a report with XXXX XXXX Police Department. Please remove these accounts from my credit report quickly so I can apply for the disaster loan.

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 2020-04-18 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: CA

Complaint narrative:
On XX/XX/2020 I applied for the COVID-19 SBA relief funds and was denied because of my credit score being under 640. After calling XXXX XXXX they explained to me there was an auto loan account that is behind as well as some collection accounts. These accounts do not belong to me and I have never lived at the address these accounts are associated with. I have called the companies to report the issue and I have also filed a report with XXXX XXXX Police Department. Please remove these accounts from my credit report quickly so I can apply for the disaster  loan.

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 2020-04-18 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: CA

Complaint narrative:
On XX/XX/2020 I applied for the COVID-19 SBA relief funds and was denied because of my credit score being under 640. After calling XXXX XXXX they explained to me there was an auto loan account that is behind as well as some collection accounts. These accounts do not belong to me and I have never lived at the address these accounts are associated with. I have called the companies to report the issue and I have also filed a report with XXXX XXXX Police Department. Please remove these accounts from my credit report quickly so I can apply for the disaster loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
American express serve/XXXX  XXXX prepaid cards are the main cards that most people I have talked to are haveing problems recieveing the economic impact payment. Why can't the IRS deposit payment to my card? This is a problem state wide. I followed email instructions from American express serve to check the status of my stimulus payment but each time ends in error. American express bank lenders who ever is responsible needs to fix this problem so people can receive there available govt funds. I did everything right but still no money had posted to my card. I am tired if waiting I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Repeatedly a debt collector started calling since XX/XX/2019, regarding a debt with XXXX for {$470.00} by a company called I C Systems. A company Ive never heard of have been harassing me to pay a debt.

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 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I RECEIVED A LETTER ABOUT FROM JAVITCH BLOCK LLC, ABOUT A ACCOUNT I DO NOT RECOGNIZE XXXX XXXX XXXX BANK. I HAVE NEVER DONE BUSINESS WITH JAVITCH BLOCK LLC AND I DONT RECALL HAVING ANY ACCOUNT OR LINE OF CREDIT WITH THEM. THIS IS A FRAUDULENT ACCOUNT THAT I HAVE REPORTED TO XXXX POLICE DEPT. AND CFPB Case No. XXXX   XXXX XXXX XXXX The account is a violation of 1319.12 O.R.C Taking Assignment of Debt.The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. I need this fraudulent account deleted asap.

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 2020-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I previously submitted a complaint with the CFPB ( No. XXXX ) regarding myfedloan.org failing to give me all of my qualifying payments toward the public service loan forgiveness program. After submitting the complaint, myfedloan corrected the majority of my payments. While I should be eligible for forgiveness in XXXX of XXXX, they said XXXX. I stopped fighting at the time because I was so tired of dealing with them. Now they have changed the eligible payoff date to XX/XX/XXXX, which is absolutely wrong. I have not missed a single payment since they previously said XXXX of XXXX, so it's impossible that it would have gotten later. I have asked them to fix this and to also credit me with the payments they had already failed to credit to show an eligibility date of XX/XX/XXXX. However, they responded that they looked at it and made a determination, but that still shows XXXX of XXXX, which is eight months after I will have made the 120 qualifying payments. 

I am attaching printouts of the payments I have made on this loan since XXXX of XXXX ( in two attachments- one from before myfedloan took over serviving, and one PDF since they took over servicing my loans ), proving that XXXX of XXXX is when I am eligible for forgiveness for making the XXXX payments while working for the State of Tennessee ( I have had the same job the entire time ). I am also attaching two PDF 's  showing the myfedloan.org loan details reflecting incorrect forgiveness eligibility dates of XX/XX/XXXX. 

I have always been enrolled in automatic withdrawal payments, have never missed a payment, and I have re-certified my income every single year in the income based repayment plan. I have met every obligation and myfedloan is trying to rob me of qualifying payments. Thank you so very much for your help, I appreciate it so very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
I received 13 sperate statement in the mail at the end on XX/XX/2020. They all listed an open different account number for each statement which where opened by an identy theif. I havent even researched anything from Charles Schwab and no nothing about the Finiacial company so i had no idea there were myltiple accounts opened under my name with no phone call or email to confirm that these accounts where opened, to at least verify it was me who wanted these 13 accounts opened. When I received the 13 statements in the mail, I realized i was a victim of Identity Thief and tried to find out why these account where opened. so i call the number to Charles Schwabs accounting to find out about these accounts, they cousnt give me any information on who opened these accounts. But I request that all accounts be closed immediatly and to have him contact the 3 credit teporting agencies that I didnt open these and to erase the negative inqury. Now i have put a credit freeze on all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS ON THERE THAT WERE ARE NOT MINE. REFER TO BELOW DISPUTED ACCOUNTS AND THE IDENTITY THEFT POLICE REPORT. 
PLEASE REFER TO ATTACHED XXXX  REPORT. PLEASE FOLLOW SUIT AND DELETE THESE ACCOUNTS FROM MY CREDIT FILE AS THEY ARE NOT MINE. THIS IS AN OBVIOUS CONTRADICTION SO PLEASE ADHERE TO THE FCRA LAWS. 
A XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS REGARDING THE GIVEN INFORMATION. THESE MAKE FIVE 30 DAY DEADLINE DATE VIOLATIONS UNDER FCRA GUIDELINES.

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 2020-04-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX XXXX I was unable to complete the full course due to health issues I was pregnant at the time and I had to take along medical leave so I was dropped I was in the hospital and can provide medical paper upon request. Company name : Nelnet loan services inc I. The amount of {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: FL

Complaint narrative:
TRANSUNION, XXXX  AND XXXX  HAS INFORMATION ON MY CREDIT REPORT THATS NOT MINE.

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 2020-04-18 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: NV

Complaint narrative:
There are 2 account that are showing on my credit report that should not be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I was given a utility grand by XXXX, the grant allow my bill to become current before I had to disconnect the service.

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