vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I closed my JPMC ( Chase ) card account due to erroneous charges. 
In XXXX JPMC offered to settle the unpaid balance of approx $ XXXX at approx 31 % ( {$2000.00} ). 
In response to above offer, on XX/XX/XXXX I mailed Chase a settlement check for that {$2000.00}. The check was drawn from my own Chase checking account. Chase cashed it in XX/XX/XXXX. 
In XX/XX/XXXX XXXX  showed the account was still owing the balance of approx $ XXXX. When I disputed with XXXX  - furnished copy of Chase Check # 004 showing settlement check in the amount of {$2000.00} was cashed by Chase, Chase still 'Verified ' to XXXX  that the balance was 'still ' approx $ XXXX ; that the settlement payment of 2 years ago was just a payment towards the balance not a Settlement despite written all over it was Settlement. Thus XXXX  to this day continues to claim the above debt is 'verified ' as still UNPAID. I then closed my Chase Checking account, but still continue to hold a Savings account with them in order to keep open, transparent lines of communication since at least the past 5 year. 
In XX/XX/XXXX suddenly I started receiving collection letter for the remaining $ XXXX that was previously settled. When contacted by phone, Chase claims a third party named 'United XXXX settled the debt for 62 % thus my payment to Chase for 31 % in XXXX was only 'half ' of the total settlement amount and the 3rd party was to get the other 'half '. 
I've never heard such cockamamie practice/excuse before. As it stands, Chase has dug up old settled accounts in attempt to collect anew after its 5 years of silence on the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hi, I do not recall these inquiries and request removal or supply supporting document as required by Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. 
I have reached out to all of the companies within this list via certified mail and received no response XXXX  XXXX XX/XX/2019 XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX  XX/XX/2019 XXXX  XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX  XXXX XX/XX/2019 Please provide any application supporting this inquires.

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 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXXXXXX   XXXX  {$380.00} XXXXXXXX   XXXX {$1100.00} XXXXXXXX   XXXX {$3500.00} XXXX XXXX {$220.00} XXXXXXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX XXXX XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED HAPTER XXXX BANKRUPTCY DISMISSED CHAPTER XXXXXXXXBANKRUPTCYDISSMISSED CHAPTERXXXXBANKRUPTCY DISSMISSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I attempted to login to my account ( s ) with XXXX on Wednesday, XX/XX/XXXX and was unable to do so, due to the following error message received : " Important : We locked your account to protect it from suspicious activity. To unlock it, call XXXX. ". I called as instructed and was informed that XXXX XXXX decided to " end our relationship '' and will close my account. I was not informed of any reason. Additionally, I received an e-mail on the same day, stating I can access the letter on my account online, of which I don't have access to get to my account online ... What's even worse of not being told anything, any outstanding checks will bounce and I can not even do anything because I was informed it will take 10 business days to close the account ( s ) and additional time for me to obtain access to my funds. I would understand if the funds are being withheld to cover any outstanding checks, but that's not the case. I was specifically told that any withdrawals of any kind will not be honored and not be accepted. So what's the reason of withholding my money and literally for several weeks I will have absolutely no access to any of my money for absolutely no reason. I've been a customer with XXXX since XXXX or even before and also used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent TransUnion a total of ( 5 ) written requests over the past year and a half to validate a Chapter XXXX  Bankruptcy displaying under my credit file. The credit bureau responds to my requests with the same messages repeatedly. Please see down below : 1 ) TransUnion responded that the completed investigation was verified by the data furnisher 'USBK  Court XXXX  Florida ' and that they will NOT continue to re-investigate such requests from me.

2 ) I took it upon myself to send a letter to the USBK Court XXXX  Florida and asked how such procedure information is validated with Credit Bureaus. The USBK Court House sent me a returned letter explaining that they DO NOT validate information with 3rd parties and have no jurisdiction over reporting agencies. 

TransUnion sends me the same automated / generic letter in response to my request to validate a Chapter XXXX BK. They continuously claim they will not re-investigate. How could they have claimed to validate such information with the USBK Court House when intern the USBK Court House does not validate such requests with reporting agencies. In reality, TransUnion never investigated such and completely ignored my repeated requests by sending out a generic letter saying it was verified by the Court House.

I am attaching the letter sent to me from the USBK explaining how they do not validate information with 3rd parties such as Credit Reporting agencies. I am also including the letter sent to me from  TransUnion.

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 2020-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
XXXX : XXXX : XXXX XXXX We really appreciate your good intentions in order to resolve the issue. Full and final payment of {$500.00} today XX/XX/2020 looks absolutely fine. 
Kindly fill the below information once you complete the Money Gram ( money in minutes XXXX so that we can arrange the pickup of your payment and send over the full and final receipt for the payment. 

Receiver Information for XXXX to our account XXXX : NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX  STEPS : 1. Go to the nearest XXXX store ( XXXX / XXXX / XXXX  XXXX ; 2. Ask for XXXX XXXX ( money in minutes form ) ; 3. Receiver Option : Pickup at any XXXX XXXX XXXX  ; 4. Enter the payment amount ; 5. Select Same Day option ; 6. Kindly fill the receiver information mentioned above in this email ; 7. Go to the cashier and deposit the money along with the store fees, once you hand over the cash, you will be provided with the receipt and the 8 digit reference number. 
Kindly fill the information below and email us back : XXXX XXXX keeps emailing demanding money. I have no idea who she is. 
XXXX XXXX will not identify the company or provide a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I got a Apple credit card in XX/XX/2019. I used it many times in XXXX then charges started getting declined. I contacted them the 1st time they told me they thought it was fraud. I asked why they did not contact me and they said they should have. I told them there has been many charges to same company so why this was rejected they did not have answer. Told me it was noted and should not have any problems. Oh and these declines dont show up on statement or my online acct. then this happened again and called again. This time they restricted my acct because I question them about why there declining my charges. They asked me all sort of question like when I applied and even want to call my bank to make sure it was my account. Then told me it was under review. I talked to them a few times in 6 months now they all say they can help and never seen this before but when it comes down to it they say its under review and someone will contact me. I spoke to someone just days ago same story. I did pay the account off before it was even due and told then that I was paying it off with acct they have on file still did not matter. Apple/Goldman Saks should be fined or somthing I get a credit card and its useless then I get treated like a criminal. I even asked for there presidential office to be forwarded this issue. Nothing. So thats why I making complain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXX  XXXX {$380.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$3500.00} XXXX XXXX {$220.00} XXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX  XXXX  XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED HAPTER XXXX BANKRUPTCY DISMISSED CHAPTER XXXX XXXX DISSMISSED

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 2020-05-27 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: AR

Complaint narrative:
I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXX  XXXX {$380.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$3500.00} XXXX XXXX {$220.00} XXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX XXXX XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX BANKRUPTCY DISMISSED CHAPTER XXXX XXXX DISSMISSED

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 2020-05-27 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: GA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$320.00} XXXX XXXX   XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: MO

Complaint narrative:
The following accounts on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX  10 ) XXXX  {$500.00} 11 ) XXXX XXXX XXXX  12 ) XXXX  XXXX XXXX XXXX   {$21000.00}

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 2020-05-27 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: MO

Complaint narrative:
The following accounts on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX 10 ) XXXX  {$500.00} XXXX ) XXXX XXXX XXXX  12 ) XXXX XXXX XXXX XXXX   {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
Tried to book a flight on Delta. They advertise a special offer with an American Express Delta Skymiles card. So I signed up. Was denied the statement credit. Received approval email. But can not purchase tickets without the card number. 
I created an online account with American Express. I can see the last 5 digits of the card but I can not get the card number. Used online chat then 2 phone calls to American Express but still could not get the card number. 

Without it, the card is useless. I can not wait a week to get the card before buying the tickets. So now I will have to cancel the card but will take a hit to my credit score because American Express and Delta lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: MOHELA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: GA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$320.00} XXXX XXXX   XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY

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 2020-05-27 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: GA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$320.00} XXXX XXXX   XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY

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 2020-05-27 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
This is an electric bill that has been paid to the electricity company XXXX XXXX XXXX. I should not be on collection of any kind. I ask the collection company Helvey & Associates to contact XXXX XXXX to confirm this account its been paid. Remove this collection ASAP from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I work at a XXXX XXXX and I have been looking for a second car. Simultaneously my boyfriend was also looking for a car. I originally applied for a XXXX XXXX but I wasn't sure so I held on and he applied for a XXXX. He qualified on his own with his full time job but as he does XXXX XXXX  for my XXXX  I wanted to include that as supplemental income, the deal was rejected because the internal documents that we submitted to prove his supplemental income were rejected unfairly. The lender had us re-apply with only his full time job and then denied it on the same basis using the second application as proof of the fraud, which was their fault in the first place and the loan should have never been rejected. He decided to buy a different vehicle because of the mistreatment from Westlake and I decided to buy the XXXX because we had already paid for it and ordered the title and the business was out of that money, so I decided to take in on because I like the car. Even though I'm putting more than half down it's being rejected as a " straw purchase '' as if I'm buying it for my boyfriend, who is now just a friend and I am no longer in a relationship with. It is not a straw purchase. Westlake Financial is able to charge high interest because they hire bottom of the barrel people to give first time and second chance loans, unfortunately this means that mistakes are made and they are making mistakes over and over.

Company response to consumer: Closed with explanation