vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX I made a booking for XXXX. it was a bus service in XXXX. When I reached the bus stop, they had no instructions on how to find which bus we are suppose to get on. Then, the customer agents there did not speak XXXX. When we found the bus with a lot of struggle, they refused to let me and Friend get on the bus. They claimed that there was only one ticket on the reservation. I showed them my reservation and they lady checking in clients for bus refused to look and did not let us sit. 
I explained this to chase and they opened a dispute. The dispute letter was sent out in mail and they asked me to sign it. Then I received another letter in the mail saying to accept or refuse the claim. I refused it and went to the chase bank branch office to fax it. The bank claims that they never received my signature and closed the dispute. Then another agent on the phone claimed that they don't even accept the dispute and resolved in the bus company favor. I believe that chase is being ethical towards this claim and would like some further help to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: NY

Complaint narrative:
There are fraudulent accounts on my credit report that do not belong to me., I am a victim of identity theft

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 2020-05-26 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:
SOMEONE USE MY IDENTITY AND OPEN CREDIT CARD ACCOUNTS AND BANK ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
SOMEONE USE MY IDENTITY AND OPEN CREDIT CARD ACCOUNTS AND BANK ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I got a notification that my Ally Bank Account ( checking & savings ) was disabled for online login. I also got a notification that my mobile account had the pin change. As of right now, I have no access to my money and their recommendation is to call them. As of right now I have been on hold for over XXXX hours with no end in sight. I have bills to pay and not being able to access my account can be costly.

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 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank advised me that when I moved my mother who is in her XXXX 's upstate due to Covid 19 and was impacted greatly by this I could suspend my payments with no late payments or penalties. I was sick in XXXX and was late with this payment as well but they did not advise me that there would be credit reporting would be done at all. When I went to refinance my car I was advised that my credit had dropped markedly. I later found out that chase who also took my payment and pooled it to XXXX a new provider, did report me late. In fact they reported me late for thirty, sixty and ninety days. 

I contacted Chase and they advised me that because I was late in XXXX they would not help me at all with a payment plan for the three months of the Covid 19 phase. I contacted their executive offices and they are not helping at all. 

When I checked my XXXX  report they conveniently haven't even reported beyond XXXX. I also contacted the XXXX XXXX entitiy Balance, and they advised that although Chase may have been correct in reporting me 30 days late, they should have paused it there when I requested the forbearance being granted. 

I am now in serious need of obtaining a loan for my car and due to these aggressive actions on the part of Chase. I am finding it difficult to appropriately address my family needs and health. 

Any assistance would be greatly appreciated. My name is XXXX XXXX and my contact telephone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This is regarding calls from Kia Motor Finance. 
On XX/XX/2020, they called me at XXXX. During this call, I told them while I don't agree with the debt they are imposing to my account I am willing to take their calls however not when I am working and I asked them to call me between XXXX and XXXX hours on weekdays. Which they told me they will comply. 
However, I received a phone call from Kia Motor Finance from the same number on XX/XX/2020 with the attempt of debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Product : Debt collection Issue : False statements or representation See complaint referenced above. The same people for the same debt continues to post this debt to different credit bureaus ( XXXX and XXXX ) under different names, not honoring the agreement made in XXXX. This is harassment and I should be given the right to sue based off this type consumer harassment that is baseless, unwarranted, and extremely prejudicial to me due to me refusing to allow one of their agents to harass me by phone in XXXX. An agreement with a third party representing XXXX and any of its many names should be an agreement honored and I should not have to see any posting of a collection for XXXX XXXX XXXX course on any of my credit reports. I have provided all documentation in complaint number XXXX back in XXXX. Why is the current administration allowing citizens to be treated by corrupt businesses in such an inhumane manner? There is no reason why I should still be dealing with this 2 years later when I held up my end of the bargain. If they want to continue to post this as a collection item, paid or unpaid, I want every dime back that I paid into this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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:
For years I been wondering why my credit has never been consistent. I never in a XXXX years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2020-05-26 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:
For years I been wondering why my credit has never been consistent. I never in a XXXX years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2020-05-26 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Tuesday, XX/XX/2020 Equifax XXXX XXXX XXXX XXXX, GA XXXX Attention : Complaint Department On XX/XX/2020, I sent a letter to your agency disputing certain things on my credit report. On XX/XX/2020, I received an email that my dispute could be viewed online. By law, your agency was past the 45-day mark of responding to my dispute letters. The first issue that I have is, I never provided my email address to your agency in my dispute letter. How did you retrieve my email address? I created an account to view the information and was having difficulties pulling the report. I contacted your customer service department on XX/XX/2020, in regard to gaining access to view the results of the credit dispute. At that time on XX/XX/2020 at XXXX XXXX, I requested that my dispute results be sent via mail within 7-10 business days. As of XX/XX/2020, I have failed to receive those results. On XX/XX/2020 at XXXX XXXX, I received another email stating that I should be able to gain access to www.myequifax.com. On XX/XX/2020 at XXXX XXXX, on XX/XX/2020 at XXXX XXXX, on XX/XX/2020 at XXXX XXXX, and XX/XX/2020 at XXXX XXXX, I sent screenshots to customer.care@equifax.com to show that I am still not able to access the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-05-26 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-05-26 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company is reporting inaccurate, incomplete, and old information on my credit report. They refuse to validate the debit. They also refuse to really address any disputes in a reasonable legit fashion. They are not following the FCRA guidelines and are unwilling to work with me to resolve either one of the illegally reported accounts they claim to have on me to the credit reporting agencies. This company has violated my rights to protected access by leaving messages claiming false statements about debit on public answering machines. One rep spoke with someone other than myself and clearly gave them my personal identifying information including social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TX

Complaint narrative:
I went to XXXX XXXX XXXX to shop for an XXXX. As I was getting ready to pick the one I  wanted I sat with my sales man, He told me I had to get my credit pulled to see if I was able to finance the XXXX. We took a look at my credit report and the items listed on my report do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} This item is was paid in full it is also over 8 years old. I have contacted the agency asking for proof of debt but have not received any correspondent. They are in violation of my rights per fair reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is my second complaint with Wells Fargo. I have tried countless times to get resolution on my home mortgage and escrow balance due to a new assessment ( lowered ) via the city. I submitted the certified docs in XXXX which the bank ignored. My mortgage payment has been escalated and balance in the negative bc of what the city sent them for the previous year. 2019. They have been charging me the wrong amount from XX/XX/2019 until Now. They still have not adjusted my Mortgage amount and it shows to date an advance to my escrow of XXXX dollars. I am tired of dealing with this incompetent crooks. I sent a new certificate from another city official even whole closed due to COvid. They did nothing. 

I want this resolved ASAP and I want a refund for the money they took per month aT XXXX dollars which was designed to make up for the negative balance escrow based on the wrong or higher assessment originally given by the city. I hired a lawyer and fought it My assessment for XXXX XXXX XXXX is now XXXX. They wanted taxes for XXXX and didnr honor my homestead exemption either. Help me

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 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX I met with XXXX representative XXXX at XXXX XXXX, XXXX XXXX, ca. XXXX. 
XXXX explained to me the XXXX services and fees as follows : 1st Service :  {$130.00} ( $ XXXX {$50.00} coupon= {$130.00} ) unlimited service calls for the first 3 months. {$90.00} for the next 3 months and {$90.00} for any consecutive 3 months thereafter. 
I could cancel the contract anytime I wanted 3 busines days after the 3 months of service. 
XXXX wanted me to sign a contract. Despite my refusal to sign the contract or any agreement, XXXX accepted the terms of our oral contract as described above and XXXX said that he only thing he needed was my Credit Card. 

On XX/XX/XXXX I gave XXXX my Visa card and he charged {$130.00} for the Initial Service for XXXX, XXXX and XXXX. 
On XX/XX/XXXX I paid {$90.00} for XX/XX/XXXX, XXXX and XX/XX/XXXX On XX/XX/XXXX I paid {$90.00} for XXXX, XXXX and XX/XX/XXXX Last service done at the residence was on XX/XX/XXXX. 
On XX/XX/XXXX I called XXXX and I requested to cancel the service. 
When I started receiving bills from XXXX I contact XXXX and I was told that I owed another {$90.00} for an extra 3 months because I had not given enough notice. I requested the copy of the contract. Upon inspection of the signature I can confirm that this is not my signature. There for I don't believe that I have any responsibility for this debt. 
Te collection agency is billing me for {$75.00} in order to settle the account. 
Please see documents attached.

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 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I get a robocall about once a week from a debt collection company called First Point. I  have medical debt due to having XXXX and the treatment that followed. I politely explained to the company that I would gladly pay the debt when I'm recovered and back to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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:
I HAVE BEEN A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX  XXXX {$10000.00} XXXX XXXXXXXX {$470.00}

Company response to consumer: Closed with explanation