vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, my company utilized Chase 's POS machine for transactions. After I settled batches for those two days on my terminal, XXXX XXXX  on XX/XX/XXXX and XXXX on XX/XX/XXXX, I called Chase to confirm these two settlements. After several days, I realized that my business bank account did not receive those amounts at all. Then, I immediately called Chase to ask about the situation. The first operator told me that the risk department was currently reviewing those two settlements, and they will release them as soon as possible. However, I waited for two days more, but I still received nothing. I called Chase again, then, they finally told me that they sent over verification documents to my email and I needed to provide evidence to authenticate those sales. 

I attached evidence ( Invoices and contracts for required transactions ) to the email and replied to them. I called again to confirm that if they need more information or documents. The operator told me to wait for 24 hours, and they would get back to me with a resolution. The next day, I called again because I did not receive the resolution from Chase. Then, they told me that they need customers ' address to proceed with the verification process. I then quickly contacted my clients and provided their addresses to Chase on Friday night. I waited until Monday afternoon to call Chase again, and they again told me their analyst was off on Monday. They asked me to wait for another 24 hours. Today, the XXXX of XXXX, I called again they promised me they would send over a resolution to my email by the end of the day. Now, I still received neither my two settlements nor the resolution. This is unacceptable because Chase Risk Department should not be so ineffective.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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:
Equifax continues to report incorrect information on my report regarding XXXX  XXXX XXXX, which shows as a closed account on my credit report. The XXXX  XXXX XXXX account on my report is fraudulent and does not belong to me. My identity was stolen and I reported that to Equifax and to XXXX  XXXX XXXX over a year ago. Equifax still has the account on my report and allows XXXX  XXXX XXXX to report inaccurate and fraudulent monthly updates on my report. I would like for Equifax to remove the closed XXXX XXXX XXXX from my credit report as it is fraudulent and identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This loan was paid off by my auto loan directly to Td bank. Td bank made an error as If it was past due. They apologized and fixed the error at the time. However, this is still showing as an inquiry. This is not past due, ever in collection etc. loan was paid off in a lump sum on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: ONEMAIN FINANCE CORPORATION
State: MO

Complaint narrative:
One Main Financial currently displays two loans that were opened on the same day, and closed on the same day but different account numbers. I only opened one account with the company but they are reporting two debts to the credit bureaus. When I told them of the error, they stated that they only could view one, but they continue to verify the second account with the major three bureaus.One account shows, settled and the other shows charge-off. Both accounts are approx {$9600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  CC- Account : XXXX Creditor : XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX - Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
I've continuously attempted to have Huntington National Bank go through and do a historic review of my accounts ; interest earned on promotional rates since 2014 ( which includes promotional Money Market Account ( MMA ) rates ) as the money paid, for monthly interest, from time-to-time,  does not accurately reflect the rates ; I am owed interest between my checking and savings accounts. Since this request has been put in and ignored by customer representatives. I've made repeated attempts to resolve the issue ( s ) yet have faced being neglected. In this instance, Huntington to re-calculate with he promotional rates assigned for my checking and savings accounts. I've tried in good faith in effort to resolve such matters. 

In additional, Huntington National Bank also needs to confirm the closure of each of my business accounts had XXXX  balances before they closed those accounts out as according to my records there were funds. There are numerous business accounts. It was outside of my will or knowledge that Huntington Bank closed those business accounts and have not responded over several years to confirm the request of a XXXX  balance with evidence. 

I feel that, being subjected to the actions over the course of several years, I am full entitled to these actions in good merit and keeping order Huntington Bank realize the deficiencies for the issues provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I spoke with XXXX XXXX in regards to how my accounts were displayed and he advised that the accounts should reflect no reporting data, however, company continues to verify late payments that do not exist with the credit bureaus. The incorrect payment history reflects poor habits that I never created.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  CC- Account : XXXX Creditor : XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX - Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  CC- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX- Account : XXXX-XXXX**** Creditor : XXXX  XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX - Account : XXXX**** Creditor : XXXX- Account : XXXX**** Creditor : XXXX/XXXX- Account : XXXX**** Creditor : XXXX- Account : XXXX**** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX currently displays two loans that were opened on the same day, and closed on the same day but different account numbers. I only opened one account with the company but they are reporting two debts to the credit bureaus. When I told them of the error, they stated that they only could view one, but they continue to verify the second account with the major three bureaus.One account shows, settled and the other shows charge-off. Both accounts are approx {$9600.00}.

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 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Dear Citi Executive Response Unit : This letter serves as to bring to your attention the following concern. On XX/XX/20 I received notification from your company via e-mail that I had a ( notice of insufficient/unavailable funds ) for my viewing. I proceeded to log in@online.citi.com, & clicked on the Services tab. From there I went to Statements & Documents, and then to View E. Communications, and then to Notices & Letters. Here was correspondence from your company dated XX/XX/20 ( see attachment ). This correspondence indicated that it required action on my part. 

My concern is that the correspondence in question does not belong to me at all. It is for an account named XXXX XXXX XXXX with account number ending in XXXX. How is it possible that such a document would end up in my Citi online profile? This is alarming to me as a consumer because of identity theft. It made me wonder if my information was somehow given to another one of your customers as well. Please review this matter as it is very alarming and a dangerous practice for your company to take part in. 

On XX/XX/20 I contacted your customer service department @ phone number XXXX and spoke to a person whom indicated that she was an Online Supervisor. Her name was XXXX and she indicated that she was based out of a call center in the XXXX. XXXX indicated that she would submit my concern to the correct place and someone from your establishment would give me a return call by XX/XX/20 about the matter.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
, On XX/XX/2020 I received a call from Experian after leaving a message for XXXX XXXX. The associates ' name was XXXX. I advised her that I spoke with XXXX in regards to my student loans and the payment history being incorrect. She advised me that she would open a dispute to attempt to have the payment history corrected. Before the end of the call, I asked if Experian did 1st party verification for consumer information or 3rd party, and she advised me that they use 1st party communications only and the call was concluded. Later that day, I checked the my online profile and didn't see any open disputes, so I called XXXX XXXX and left a message to verify that a dispute had been started. When he returned my phone call on XX/XX/2020, he stated that she did open a dispute for the student loans. I then asked him if the verification would be first party or 3rd and he stated that the company sends notification and the information is verified by the 1st party within 30 days. HOWEVER, on XX/XX/2020, I received a letter from XXXX stating that they had opened an investigation into Experian to verify information on my behalf. I have not sent XXXX any documents or made any such requests thru 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 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Received information on my credit report of MIDLAND FUNDING LLC reporting unknown collection account on my credit file, to collect an alleged debt that I know nothing about or owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IN

Complaint narrative:
I received information from a recent update on my credit report of MERCHANTS CREDIT GUIDE placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or no attempt was made to contact me. I received absolutely nothing regarding 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 2020-02-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$20000.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not 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 explanation
Consumer complaint received 2020-02-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has boost which shows you pay your bills every month. They use your checking account. They could not find my mortgage payment to XXXX home loan even after I called them twice and talked to them. Now they are saying I am not paying my electric bill because they can not find it. It is listed as XXXX every month on my checking account. All bills are auto payments. They send me emails saying apply for this card and it will improve your credit score.  I applied to one of the cards they send that was through XXXX  XXXX XXXX. XXXX   XXXX XXXX denied it because of the report from Experian. Experian then dropped my score 100 points because of this. I work as a XXXX  XXXX  and have tried to get it on my credit report but they will not put it on they say on of my creditors has to put it on so it looks like I have a low income. I have been with XXXX for over 10 years and I can't get it added to Boost. My credit score should not be listed as poor. Experian is destroying my credit. Could you please help me with this.

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 2020-02-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$20000.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not 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 explanation
Consumer complaint received 2020-02-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$20000.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.

Company response to consumer: Closed with explanation