vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank will not return the money I have in my checking account. There was a problem with a deposit. I was told that the person who made the deposit into my account had to bring identification to a Chase branch. I was told to do the same. The person who made the deposit has disappeared. I am the victim of a scam. I explained this to many Chase reps & managers. I dont want the deposit! I want my money released and my accounts closed. I dont believe Chase has the right to keep my money. Chase was not hurt by this transaction, I was. Now I am further scammed by this bank. I want this resolved! Its been going on since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
The original collector turned the account over to another collector ( Paramount Recovery ) account open dates currently shows XX/XX/XXXX, the actual original collection open date was XX/XX/XXXX. The company Paramount Recovery, whom I have not received any services from nor had any contract with has placed collections on my credit report in the amounts of {$200.00}, {$220.00} and {$920.00} with an open date of XX/XX/XXXX. I have placed disputes through all XXXX credit agencies at least twice and I have not received a fair response as yet. This company has yet to prove that I owe them for any services, still the debt shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-10-20 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: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rocky Mountain Recovery Group
State: WA

Complaint narrative:
I had a emergency XXXX at XXXX XXXX XXXX in XXXX, WY in XXXX of XXXX, I was given financial aid for this XXXX. They didnt notify me until almost a year later that my XXXX was not covered and started call hours of the day and some night and sold my debt to Rocky Mountain recovery services and they did the same things over and over again, calling multiple times in a day and threatening me and would yell at me over the phone. I believer writing a complain against them before sometime in XXXX or XXXX. 
XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
My US Bank Reliacard was placed on hold on XX/XX/XXXX. I was unable to view there was a hold however. Through the website and app there was nothing about there being a block on my account and everything looked fine, but any purchase of any amount was rejected. I called customer service to figure out what was going on and was informed there is a hold, but not why. I faxed over and filled out all my information and documentation online. I have called multiple times to check but I have received no help from any customer service staff. I am unable to pay my bills, or get any groceries and I have been out of food.

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 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
Credence Resource Mana filed a collections claim on my credit report in XXXX, 2020. Credence somehow acquired a delinquent account from XXXX that had my name on it. This account was created under my name but I knew nothing about it. I have been a victim of identity theft and I have been having issues like this for several years. I filed a dispute with a credit bureau ( s ) and I discussed the situation with a Credence representative. Credence mailed me a fraud packet and I filled it out and sent it back with  supporting documentation. The delinquent account was then removed from my credit report. Today ( XX/XX/2020 ), I discover that XXXX XXXX XXXX has filed another collections claim on my credit report for the same amount and again from XXXX. I called XXXX and explained the situation and they told me they have no record of my dispute or fraud packet and that I am going to have to go through he same process again with a fraud packet, etc. It appears to me that when Credence could not collect the debt because of fraud, they sold the account to XXXX. I am concerned this will never end and that XXXX will sell the delinquent account to a different company after they receive my fraud packet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My account has been paid in full to XXXX XXXX. XXXX has updated all my information to reflect correctly but for my Experian credit report, it is reporting wrong. It is showing delinquency is recent as of XX/XX/XXXX which is incorrect. The debt was paid in XX/XX/XXXX. It reflects correctly on my XXXX  and XXXX, but does not on my Experian. This called re-aging my credit report and is illegal. I do not think it was on purpose but it is reporting " potentially negative '' on my Experian credit report due to how XXXX update the 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 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
At the beginning of XXXX, I received notification of a debt sent to collections via XXXX. The debt was for a XXXX account claiming to be under my name. I sent disputes to the collection company, XXXX XXXX XXXX, and it was removed from my credit report due to the account not being valid. I was able to provide verification of my cell phone number and address that didn't match the information on the collection account. The account was deemed unverifiable and removed from my credit report in XX/XX/XXXX. Since then, the account was sold to a new company, Southwest Credit, and is currently back on my report as of XX/XX/XXXX. I sent the same verification request to the new collection agency and they can not verify my account. The only thing they sent me was a bill dated back in XX/XX/XXXX. I've been a XXXX XXXX customer since XXXX, the cell number on the documents are not mine, and the address has a XXXX XXXX XXXX Oklahoma where I don't reside. I've lived in California since being stationed here in XXXX with the XXXX. This is extremely frustrating because I'm in the process of buying a home and this unverifiable debt is causing my interest rate to be higher. I shouldn't have to keep redisputing the same account every 6 months and would like assistance in finding a solution to this matter. This company can not provide proof that this debt is mine or copies that show that i have agreed to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TX

Complaint narrative:
I have disputed an fraudulent bankruptcy on my account 3 times in the past 90 days and the credit bureaus keep coming back as verified. I asked for proof of my Signature and the paperwork they have on the bankruptcy paperwork and for them to provide it and they have yet to send proof of this. This is not mine nor did I authorize anyone to file a bankruptcy on my behalf. Ive reached out the bankruptcy court on my credit report and they have stated they do not have a bankruptcy in my name nor do they provide info to any 3rd party concerning bankruptcy. I disputed this account through CFPB Over 30 days ago and they came back with I was a credit repair company working on it. I am an individual and this has been one of their stall tactics. Ive called twice to dispute and even sent out 2 letters. This is unacceptable.

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 2020-10-20 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My complaints were never even addressed. Experian said it appeared as if I wasn't making the appeal myself so they fully disregarded it. I was making the complaints and I had my ID notarized as proof of my identity. XXXX XXXX  has sold this account that they are reporting late each month. I asked them about it and what could I do to get it off my account. They said they couldn't take the payment because it has been purged from XXXX and it is no longer with them. This is inaccurate information they're reporting, they are saying I'm late each month on whatever account this is, and they are refusing to take payment so that I can remove it. They said for me to contact an outside company to take care of it. XXXX XXXX  sold the account and they were paid for it, received a tax write off for a loss, and now they are attempting to get paid again from me. I requested who should be paid and they said XXXX XXXX, which directly contradicts XXXX XXXX  saying I'm not paying them.

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 2020-10-20 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: PA

Complaint narrative:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DigniFi
State: GA

Complaint narrative:
Back in XX/XX/XXXX - I signed a Unsecured Loan Agreement ( Fixed Rate ). The problem I'm having with them is their calculations of the monthly payments. Everything I've tried to use, do not add up. I've contacted them on several occasions, asking them how they arrived and the payment amounts listed as monthly payments on their website. I told them it don't add up - I asked them for an explanation of their calculation. They refused. I filed a complaint with the XXXX. I still can't get a response. I called XXXX XXXX and spoke someone at least twice and told me I have to call them. The second problem is Interest Rate and the APR. The APR is listed as 27.99 % and but in the letter to the XXXX  they listed the APR at 31.02 % and the Interest rate as 27.99 %. They said the loan date is XX/XX/XXXX, but its really XX/XX/XXXX. I filed a complaint with the XXXX on XX/XX/XXXX - the company responded on XX/XX/XXXX. I called to talk to them and I mentioned them responding to a complaint I submitted she said it wasn't true. I gave her the XXXX reference number, information that the company wrote to XXXX. I was for an updated contract, it had been amended. Just the pages they changed or amended. I haven't been successful in getting them to do anything. Contract and letter of response is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: NJ

Complaint narrative:
No response from each credit bureau, for my disputes

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 2020-10-20 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: FL

Complaint narrative:
I received a copy of my credit report and I noticed there were information on there I did not recognize. I reached out several time to the credit agencies asking for any documents bearing my signature. As of today I have not receive any documents bearing my signature. I would like your help in helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a copy of my credit report and I noticed there were information on there I did not recognize. I reached out several time to the credit agencies asking for any documents bearing my signature. As of today I have not receive any documents bearing my signature. I would like your help in helping me resolve this 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 2020-10-20 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: IA

Complaint narrative:
We purchased a vacation on our Chase Freedom credit card and a few months later my trip was cancelled because of the travel ban from coronavirus pandemic. We immediately tried to dispute this with Chase but they refuse to refund us our {$2300.00} back, even though services were not rendered by XXXX.XXXX. Below is a timeline of our booking with XXXX and correspondence with Chase about our dispute. 

On XX/XX/XXXX, the original purchase was made from XXXX in the amount of {$2300.00} for a trip to XXXX, XXXX that was going to take place XX/XX/XXXX through XX/XX/XXXX. 
On XX/XX/XXXX, XXXX emailed me saying that they have cancelled our upcoming international trip due to the Do Not Travel alert issued by the US State Department due to the Coronavirus threat. We immediately tried to contact XXXX through website and by phone, but they shut down their website with a cancellation notice and are not answering calls. We have had no contact with any actual representative from XXXX, because this company had completely shut down. 
On XX/XX/XXXX, we did an online dispute with Chase for this XXXX purchase. We first looked into XXXX XXXX and XXXX XXXX, and they both said with any cancellations through travel agencies, the credit would go back to that agency that was used. Because XXXX  was shut down, we filed a dispute with our Chase credit card, as instructed by the XXXX email. 
On XX/XX/XXXX, I inquired again in an online message about this dispute and if it is being handled. 
On XX/XX/XXXX, I called and talked with a dispute representative, and answered all questions that were sent out in a letter on XX/XX/XXXX. After taking down all of the information from the questions she asked, she told us that she would take that information and do research about the charge being disputed. She told us we would be receiving a letter informing us if the disputed charge was ruled valid or not. 
On XX/XX/XXXX, a letter was sent saying the disputed charge is a valid charge. 
On XX/XX/XXXX, I called the number provided by Chase ( XXXX ) on the dispute letter we had received asking about why this dispute was rejected. She told us she couldnt research the dispute because the claim had already been closed. She said the only thing we could do was write a letter and put any correspondence from XXXX with it. 
On XX/XX/XXXX, we mailed Chase a detailed letter with the timeline above asking for the dispute to be reopened and processed again, because we felt it was not handled properly. We have heard absolutely nothing from Chase yet as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Back in XX/XX/2020, myself and 3 other friends booked a flight to XXXX, XXXX. After US government came out and stop travel to XXXX for pleasure we had to cancel our flights. 

We called airlines. They stated their was a cancelation fee of {$980.00} but since we have insurance. Our insurance would cover the {$980.00} balance. They charged me the {$980.00} fee twice and as we canceled our flight. They also canceled our insurance policy.

Since then I have been calling Citi Double cash credit card monthly. To fix this situation. Everytime I speak with someone from Citi Credit Card. They have a different story, situation, etc.

I am beyond exhausted and tired of having to call this credit card company monthly.

Now since its been over 6 months. They have reported to credit componys. So my credit has dropped over 100 points and they still  don't know if they can resolve this situation. 

I am at a lost a this point.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XX/XX/2013 Amount in collections is {$380.00} On this day there was no XXXX XXXX to see anyone at the XXXX XXXX  so they gave  to XXXX and sent home. Notified them that no medical exam was received and have not been able to rectify 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 2020-10-20 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Somee how I recived a amazon chase credit card, the day I got it i cut it up, then I statred gettting letter from Cahse and threw them away because I nevr used the card.

i get a call saY i OWED THEM XXXX BUCKS FOR THE PLEASURE OF HAVING A CARD i DID NOT WANT NOR DID i ASK FOR..

Today I saw my credit scre go down 8 points becuae I didn't pay there extrtion fees..

nobody at chase can even tell how or way I got the card or if I ever used it or for what.

i cut them a check to ty and preserve my credit ratings..

Help how can they treat people like this!!!!

Company response to consumer: Closed with monetary relief