vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019, I made a withdrawal of {$2000.00} from my XXXX XXXX  Account to my Chase Business Account in the form of a teller 's check. I have copies of the statements along with a copy of the teller 's check. Approximately 10 days later Chase closed my business account. The money from the teller 's check was never sent after the account closed. I first attempted to get my money on XX/XX/XXXX when I called Chase at XXXX. At that time they told me a check should arrive within a week. The following week on XX/XX/XXXX at XXXX I called Chase to confirm that I was receiving a check. The lady on the phone informed me that the check needed to be verified. At that time she said to go to XXXX XXXX  and confirm that the check payment was sent over. I scheduled an appointment with XXXX Bank and on XX/XX/XXXX I went to the XXXX XXXX  Branch at XXXX XXXX XXXX to check the status. After a half an hour they confirmed the funds were moved to chase bank on XX/XX/XXXX. ( Deposit amount was listed on the Chase statement in the documents ) With this information I went over to Chase Bank at XXXX XXXX XXXX. At that branch they said their systems were unable to verify the check despite me having a phone number for them to call and verify. They asked me to try again the following day XX/XX/XXXX with the same results. They finally stated they will try to verify on Friday and that if I did not hear from them by the weekend than that would indicate they were unable to solve the issue. If you need the call logs I am happy to submit them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: UT

Complaint narrative:
XXXX XXXX XXXX/XXXX # XXXX is reporting a collection to my account that is in error. I have repeatedly tried calling, emailing and attempting to contact them to pay it before the account ever went to collections, however nobody will help me when I can get a hold of them and no one is calling me back. I am trying to pay this and am unable to contact someone in order to do so.

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 2019-12-04 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a collection to my account that is in error. I have repeatedly tried calling, emailing and attempting to contact them to pay it before the account ever went to collections, however nobody will help me when I can get a hold of them and no one is calling me back. I am trying to pay this and am unable to contact someone in order to do so.

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Us Dept of Education is reporting multiple student loan collections to my report that I should not have or owe. I applied for a student loan forgiveness program and they say it is still in process and it has been a year. I have been paying out of pocket. I should not owe this debt and the loan forgiveness program should be taking care of these. 

The account numbers are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: UT

Complaint narrative:
Us Dept of Education is reporting multiple student loan collections to my report that I should not have or owe. I applied for a student loan forgiveness program and they say it is still in process and it has been a year. I have been paying out of pocket. I should not owe this debt and the loan forgiveness program should be taking care of these. 

The account numbers are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: ERC
State: UT

Complaint narrative:
Enhanced Recovery Collection/XXXX  # XXXX is reporting a collection to my account that is in error. I have repeatedly tried calling, emailing and attempting to contact them to pay it before the account ever went to collections, however nobody will help me when I can get a hold of them and no one is calling me back. I am trying to pay this and am unable to contact someone in order to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Upon creating a free credit report dot com account, I found a collection of {$880.00} from a company called Diversified Consultants. After contacting them they claimed it was a debt originally reported from XXXX. However I have never owned or used any service from XXXX in my entire life, I tried disputing it with Diversified Consultants as well as file a dispute used the freecreditreport process, which I think goes through XXXX. They said they verified the account as valid, but I swear to XXXX I never ever used or have ever had XXXX service that they claimed they are trying to collect on. 

{$880.00} is a significant amount, I have things that are legit in collections but this one is not legit. 

The time frame they are saying I had this service, I actually was on my x-boyfriends ( XXXX XXXX ) 's plan with XXXX. I am suspicious that one of my x-roomate previous to living with XXXX XXXX and being on his plan might have stole my identity, which is all I can think happened. But I never ever had XXXX service in the time frame they are claiming, nor ever in my life. I was on a XXXX Plan which should be proof enough, because why would I have two services ...

Diversified Consultants are showing date opened is XX/XX/2016 if that helps any. 

I feel like this is harrasment and is harming my credit score when it was not even me that opened said account, therefore I do not owe them money and it is not fair to make me pay for someone else to fix my credit report. It is not my bill. 

Is there anything you can do to help me out, I do not have a lot of money to hire a lawyer or anything like that, so it just sits there harming me. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: WA

Complaint narrative:
All communication to and from the debt collector have been attached. I intitially received a letter from FIRST FINANCIAL ASSET MGMT, INC on XX/XX/2019 on an alleged debt that I owe for the amount of {$3000.00}. In response I sent a debt validation letter via certified mail on XX/XX/XXXX and the company received on XXXX XXXX company didn't respond until XX/XX/XXXX with a letter that included repair estimates for a car, nothing in the letter validates my legal obligation that I owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Waypoint Resource Group, LLC
State: UT

Complaint narrative:
Waypoint Resource Group # XXXX is reporting a collection to my credit that I no longer owe. This is past the Statute of Limitations in Utah and I no longer legally owe this debt, I would like it removed off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX  : notice wrong amount for Primary Mortgage balance with XXXX XXXX. Reporting states {$260000.00}. Updates balance is {$250000.00} XXXX  : Same with XXXX. Wrong balance reported. Should be {$250000.00} Transunion : Same with Transunion. The XXXX XXXX Primary Mortgage ( not ELOC ) balance should be {$250000.00}

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 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Roycroft Management
State: FL

Complaint narrative:
Two men have repeatedly called my cell phone, XXXX, work, XXXX, my spouse, XXXX, and my mother, XXXX, stating they must serve me with with court papers. The first man would not tell me who the sender was, but was polite. I initially thought it was related to my job, as I am often called to testify and served with subpoenas. Therefore, I confirmed my address and told him I would be home between XXXX and XXXX on XX/XX/XXXX. However, no one arrived. Today, I received numerous calls to my personal cell phone and my business line, which were noted as a " spam risk '' on the display. I repeatedly rejected them, but after 4 attempts I answered. A ruds man yelled at me and announced my social security number and DOB. He stated I should be ashamed that at XXXX years of age he had to " hunt me down ''. He refused to provide any information other than to state he was serving me with legal papers and I hung up. He left threatening messages on my spouse 's voicemail and my cell and business lines, stating he would have the last laugh because he was in charge, not me. In another message he stated he would escort me to work and embarrass me. Yet another message stated he would contact my employer and the last straw was a message on my spouse 's phone stating he will have to serve my " nice looking elderly mother ''. The man left a number to call XXXX and case number XXXX. The number provided is for a business called Central Mediation Services. I do not believe I owe anything to this debt collector.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I went to Ace on XX/XX/26 for a {$700.00} loan and was given 3 XXXX 4 $ XXXX and 10 XXXX. When I went to the ATM machine about an hour afterwards it wouldnt accept all the bills so I tried another ATM machine about an hour later. Again it wouldnt take all the bills so I only deposited what it would take and spit 1 {$50.00} bill out. When I looked at it noticed its a counterfeit bill and when I tried going back to ACE they were already closed so I called first thing next morning. They pretty much told me it was my problem and I insisted to file a complaint but nobody is calling me back. That store needs to be investigated because they either accepted counterfeit money or have illegal activities going on. Please help me because {$50.00} is a lot for me to lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I have advised the collection agency this account doesn't belong to me several times via mail. In addition, I have made multiple request for documentation to validate the debt ; as I have never had a contract account with XXXX XXXX XXXX XXXX. To date the collection agency has failed to supply a contract or any documentation to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a collection to my credit that I no longer owe. This is past the Statute of Limitations in Utah and I no longer legally owe this debt, I would like it removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a collection to my credit that I no longer owe. This is past the Statute of Limitations in Utah and I no longer legally owe this debt, I would like it removed off of my credit 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 2019-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a collection to my credit that I no longer owe. This is past the Statute of Limitations in Utah and I no longer legally owe this debt, I would like it removed off of my credit 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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The accounts below were supposed to be removed from credit report. 

OTHER LOANS EDUCATIONAL XXXX Reported : XXXX XXXX, XXXX {$3100.00} Closed EDUCATIONAL XXXX Reported : XXXX XXXX, XXXX Closed This collection account is not mines and i have disputed this with the company as well as disputed with the State Attorney General. 

XXXX XXXX XXXX {$31000.00} Reported : XXXX XXXX, XXXX Hard Inquiries XXXX XXXX-XXXX   XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX   XXXX 2 Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX, XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX  XXXX, XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX   XXXX  XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX  - INDIRECT Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX, XXXX XXXX : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I opened a credit card account with Chase XX/XX/XXXX. I have made timely payments the entire time ( see attached payment printout ). Payments being due the 6XX/XX/XXXX of each month ( see attached billing  printout ). 
XX/XX/XXXX they placed a late fee on my account. On XX/XX/XXXX ( 2 days later ) I made the requested payment of {$92.00}. The refused to remove the late fee, which was fine, even though the date had changed after 2 years of it being on either the XX/XX/XXXX, or 6XX/XX/XXXX of each month. 
My complaint is that once they received the {$92.00} payment, they froze my account, and upd the payment to {$350.00} which they requested be paid in full before the account would be released for use. This is ABSURD!! I continued to make payments, while trying to reason with them, however they continued to add late fees, as the entire {$350.00} was not paid all at once. 
I have sent numerous communications to them to remove the freeze, to put the payment back to what it was, and to STOP charging me late fees, as I was not going to make a payment of {$350.00}. 
They refused, continued to place the late fees on the account, as well as continuing with the ENORMOUS payment amount request, while threatening my credit. Even though I continued to make payments. 
I have worked hard and paid all my bills on time in order to have good credit including this CHASE card. 
I do NOT need or want this credit card any longer. I do however want them to remove the late fees, and put the payment amount back to amount it initially was of {$92.00}, if they want to be paid, or even lower, as nothing has since been charged against this account nor will it be. 
Credit cards are killing Americans, not because people cant or are not paying them, although I have stated I will stop payment if this is not corrected, its because Credit Card companies such as CHASE are allowed to illegally scam their good customers for NO REASON!!! Credit scores are a joke in the US, especially when you have credit card companies committing fraud such as CHASE. 
Solution is quite simple if they want to get paid : Remove all late fees, return payment amount to the amount it should be {$92.00} or less, and CLOSE this card, as I no longer want to do business with JP Morgan Chase Bank. They are CROOKS! They have refused to CLOSE the account because there is a balance, and clearly so they can continue to add late fees based on the exorbitant payment amount that they out of the blue increased over a ONE TIME LATE PAYMENT BY 2 DAYS! 
The fact they are crooks should actually - negate this account in its entirety. 
I appreciate your time and assistance with this issue and look forward to a solution. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation