vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 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: PA

Complaint narrative:
Beginning in XX/XX/2020, I received copies of my credit reports with Experian, XXXX and XXXX. I sent letters to all 3 bureaus asking them to look into an account listed on my credit report for XXXX. I have asked them to verify the information being reported, as it was inaccurate, and I have asked for validation of the debt from both the bureaus and XXXX. Due to the reporting issue, XXXX  has removed this account from my credit report. After five letters to XXXX and Experian with no response, this past month they finally listed the account in dispute, but, as noted in the attachment, it states that the dispute is closed and the account meets FCRA requirements however, the account is a charge-off account and they are still reporting a balance as if this is an open account. This clearly does not meet FCRA requirements. After countless attempts to have this corrected, XXXX  and Experian refuse to look into my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XXXX XXXX, 2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: CT

Complaint narrative:
On XX/XX/XXXX XXXX I sent 3 dispute letters 1 to Equifax in XXXX GA XXXX to XXXX XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX XXXX I sent 3 dispute letters 1 to XXXX  in XXXX GA 1 to Experian XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am vert disappointed. I will file a complain and submit an FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I received my regular direct deposit to my Chime bank account at XXXX pm. I was currently at home watching my son 's basketball game. At XXXX I transferred my funds from my checking to my Chime credit builder card. At XXXX am on XX/XX/XXXX, XXXX individuals hacked my account. They transferred the money from my credit builder card to my checking account and used the pay friends feature to transfer my entire direct deposits to themselves. At the time the transfers were made I was still sleeping. Once I woke up and saw these mistaken transaction I immediately contacted Chime as well as completed a police report. I submitted a dispute with Chime and a few days later it as denied. I started to send several messages via social media on XX/XX/XXXX as well and called Chime several times and spoke with 3 separate managers. On XX/XX/XXXX chime closed my account blocking access to all previous informtion and transactions. {$840.00} was taken out of my account by complete strangers and I need my money back. I hve XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: FL

Complaint narrative:
Following accounts have been disputed sine XX/XX/XXXX with no response but to send additional verification which was well over the 30 days from my first letter. I sent the proper documentation in my dispute XX/XX/XXXX and feel this is just a stall tactic as they waited almost 2 months to even ask me for additional information Dispute for the following items was sent on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX XXXX {$1000.00} This account is still questionable since my dispute on XX/XX/XXXX with no response. High balance still showing {$1000.00} on Equifax when XXXX shows {$0.00}. Also shows that this was transferred or sold and does not indicate who it was sold to which is a requirement. Date of last payment on Equifax shows XX/XX/XXXX but on XXXX and XXXX it shows XX/XX/XXXX. Payment history is also incomplete and does not show any negative remarks No disputed notes on this account as well which is a violation. No disputed notes on this account as well which is a violation. 

XXXX XXXX {$620.00} This account is still questionable since my dispute on XX/XX/XXXX with no response and see changes where made and I was not given any information on why or how the information can now be different. On my report on XX/XX/XXXX the date reported was XX/XX/XXXX and now you have a date reported of XX/XX/XXXX. Date of last active shows XX/XX/XXXX with payment date of XX/XX/XXXX but on my report on XX/XX/XXXX the date of the last payment was XX/XX/XXXX. How is all this information now different and I have still yet to get any information on your investigation. 

XXXX {$1800.00} This account is still questionable since my two other disputes that I have not gotten a response on. One of the items in question is this account payment status is Late 120 Days with a payment history of Okay from XX/XX/XXXX thru XX/XX/XXXX the jumps to XX/XX/XXXX 120 days. Past due balance shows {$1100.00} on Equifax and has {$730.00} past due on XXXX  and XXXX There isn't even a dispute remark on this account. 

XXXX {$13000.00} This account is still questionable since my two other disputes that I have not gotten a response on. One of the items in question is this account payment status is Late 120 Days with a payment history of Okay from XX/XX/XXXX thru XX/XX/XXXX the jumps to 120 day in XX/XX/XXXX. Past due balance shows {$12000.00} in my XX/XX/XXXX reported with a date of last active of XX/XX/XXXX and now the Past due balance is {$12000.00} with the date of last active XX/XX/XXXX on my XX/XX/XXXX report. How does any of this information add up to be true. Please remove this errores unverified account immediately.No disputed notes on this account as well which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have escrow with Lakeview Loan Servicing , LLC, sub. via XXXX, that was supposed to pay my XX/XX/XXXX taxes on time. XXXX XXXX I received a statement from county tax collector XXXX XXXX that it was not paid, and would be delinquent XX/XX/XXXX. I had to call XXXX 4 times, and email on XX/XX/XXXX, XXXX, XX/XX/XXXX and today, XX/XX/XXXX. After what seemed like a babysitting process, we finally got confirmation that our county taxes were paid late XXXX XX/XX/XXXX XXXX which will affect my tax return for XXXX. I was assured during my conversation on the phone XXXX XXXX that all taxes would be taken care of. Now today XX/XX/XXXX, I receive another notice that my city tax was not taken care of. Yet again, I am having to call and find out what is the cause of this negligence and delinquency. When I finally get someone on the phone, I am put on hold for 40 minutes, then transferred to someone else who doesn't even know what is going on, refuses to let me speak to someone higher, refuses to let me speak to the tax department of the loan company, and does nothing to resolve this issue, and proceeds to tell me my " taxes won't be paid today. '' Today is Friday - postal services are open ... and therefore this can be taken care of TODAY, as it is already past the original due date XX/XX/XXXX. The unprofessionalism, lack of urgency, care, and rudeness from this company is absolutely INSANE. This negligence needs to be looked into - it's amazing that specially during a time of COVID this type of negligence is happening. I am fully prepared to file all complaints possible and get attorneys involved if this continues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
Escrow company tried to get pay off amount on XX/XX/2021 again on XX/XX/2021 again XX/XX/2021 again XX/XX/2021 and a last time XX/XX/2021 I was supposed to close on XX/XX/2021 got extention to XX/XX/2021 todays date this has put the sale on my property in Jepor may not sale now in the amount of XXXX XXXX. this amount is way more then I owe on the property. This also made problems with a commit to another property that I committed to and am losing that one today. This lack of Suntrust doing there job is costing me 100s thousands of dollars today. This is real problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In error I selected a gift card credit card issues by Chase on my XXXX order page. I want all purchases charged to my personal debit card from my bank. I have made this request several times by telephone, however this company continues to charge purchases to their card and send me invoices. There were two charges on XX/XX/XXXX in the amount of XXXX which I paid by check. Just recently I received another invoice for {$40.00} due on XX/XX/XXXX. These purchases were supposedly made on XX/XX/XXXX in the amount of XXXX. Nothing makes sense with this credit card company. 
Again I have asked several times to have this account closed and the card cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. A police report has been filed! REMOVE THIS FRAUD ACCOUNTS 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 2021-01-22 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am vert disappointed. I will file a complain and submit an FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Credit Bureau / XXXX MGR ; I demand that you personally DELETE this account from XXXX CARD directly from my credit report effective immediately because, one Im not liable for this account as you can see on the attachments or the letter of paid off from XXXX, and its also reporting questionable balance, incomplete and misleading information. Early XX/XX/2020, I opened dispute against the original creditor, and all the major credit bureaus due to same inconsistencies, violations, misleading and incomplete information on this negative account I simply asked for it to be investigated and DELETED from my credit report, but I simple received a template responses either asking for additional information or that you guys verified as accurate. Its not accurately reporting, and it continues to have monthly payment on closed account, questionable balance, and different dates of last active, last reported, last payment, etc. Account status was never updated that I ever disputed why? 

Here are some highlight reasons why I need this account DELETED from my credit effective NOW. 

There shouldnt be any late payments after the account was closed! 
Why am I seeing years of late payments after the close date? Its not possible to be late on a closed account! 
Status update date shows that this account wasnt even investigated, remove account. 
3 different open dates reported 3 different date of last activity dates reported Cant possibly have been verified because the status update date has not changed. 
Account has illegally been re-aged. Remove. 
Bought by a collection agency but still shows a balance. 
Bought by a collection agency but still shows a past due. 
Bought by a collection agency but still shows a monthly payment. 

SEEEEEE THE ATTACHEMENTS ON THE NEXT PAGES!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The original debt is XXXX XXXX. They have called before and I told them not to call. I mailed them a letter telling them to stop, and they still continued to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: MA

Complaint narrative:
Dear Credit Bureau / XXXX MGR ; I demand that you personally DELETE this account from XXXX CARD directly from my credit report effective immediately because, one Im not liable for this account as you can see on the attachments or the letter of paid off from XXXX, and its also reporting questionable balance, incomplete and misleading information. Early XX/XX/2020, I opened dispute against the original creditor, and all the major credit bureaus due to same inconsistencies, violations, misleading and incomplete information on this negative account I simply asked for it to be investigated and DELETED from my credit report, but I simple received a template responses either asking for additional information or that you guys verified as accurate. Its not accurately reporting, and it continues to have monthly payment on closed account, questionable balance, and different dates of last active, last reported, last payment, etc. Account status was never updated that I ever disputed why? 

Here are some highlight reasons why I need this account DELETED from my credit effective NOW. 

There shouldnt be any late payments after the account was closed! 
Why am I seeing years of late payments after the close date? Its not possible to be late on a closed account! 
Status update date shows that this account wasnt even investigated, remove account. 
3 different open dates reported 3 different date of last activity dates reported Cant possibly have been verified because the status update date has not changed. 
Account has illegally been re-aged. Remove. 
Bought by a collection agency but still shows a balance. 
Bought by a collection agency but still shows a past due. 
Bought by a collection agency but still shows a monthly payment. 

SEEEEEE THE ATTACHEMENTS ON THE NEXT PAGES!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Complaint # XXXX was closed prematurely. Equifax did not resolve the issue. The evidence I sent in the complaint mentioned above was no evidence. I also submitted this information through the mail. You have an obligation to report accurate, complete and verified information. I submitted proof that the so-called verified bankruptcy with no financial accounts was removed from XXXX. The account XXXX XXXX XXXX XXXX # XXXX that you have as part of the bankruptcy was verified by XXXX as a paid charge off account. So again how did you verify it as part of a bankruptcy? Credit Bureaus are obligated under the FCRA to report and verify the information and not reporting different information for the same account. It is violating my rights as a consumer. Please do not answer this complaint with a generated automated response. I need this to be investigated and to report accurately on my report. When you file bankruptcy there have to be accounts filed under the bankruptcy. There are none. What is the purpose of filing bankruptcy with no accounts or financial information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked the creditor to remove the late payments on my account due to the fact I have been an exceptional customer since then and they have not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I asked the creditor to remove the late payments on my account due to the fact I have been an exceptional customer since then and they have not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: NC

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable! I want this removed ASAP or I will call my lawyer!

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