vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was on XXXX and tried to purchase something and now someone is logging in and out of my Chase account and depositing money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just check all three bureaus and realize that things are not bein update. I paid my bills on time and the bureaus have not updated in two months this is effecting my credit score and is not fair when im paying on time and it should be updated once a month if not more. I would them to update all my payment made on time for XXXX XXXX XXXX  and 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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just check all three bureaus and realize that things are not bein update. I paid my bills on time and the bureaus have not updated in two months this is effecting my credit score and is not fair when im paying on time and it should be updated once a month if not more. I would them to update all my payment made on time for XXXX XXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I spoke with experian today and they told me that they dont need proof or my signature or any documents to report negative or any inaccuracies. Pursuant to 15 USC 1681 and Title 15 chapter 94 Experian, XXXX and XXXX are in violation of my rights and my privacy. I did not give any of these reporting agencies any permissions at all. I feel violated and stripped of my rights.

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 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Ive reached out to Sa-vit collection agency multiple times beginning XX/XX/2021 in regards to this unverified or invalidated debt that they have been reporting on my consumer report and it has been well over 45 days and still I havent seen any response since Ive sent out the second follow up letter given them 15 more days to delete the item since theyre ignorance of my letters proves theyre admission of guilt And still nothing at all so I called the number enclosed in my original complaint and I was informed by the agent that this company has said I am not the one sending my letters and said a 3rd party credit repair service is and I find that extremely unprofessional and out right insulting that this company not is only reporting false, misleading, and inaccurate information to my consumer report but they also dont think Im capable or literate enough to learn and utilize my rights as a consumer and on top of that its causing me stress having this being reported because its slowing up my process of building my credit to obtain the things I need to move forward in my life. So I want this item removed immediately since I have sent out proper disputes in my own writing and still havent received a response and even further they have reported to the bureaus that I can not be located when the address I have sent my disputes from has been verified as my home address by all 3 bureaus so that is a lie, I am adding in my original complaint below to give a better understanding to whoever may read this complaint. 

sent out a debt validation request under the FDCPA, 15 U.S. Code 1692g ( sec.809 ) to SA-VIT Collection Agency on XX/XX/2021 and they have failed to respond to my request after given 30 days to remedy the situation in regards to the Account # XXXX After receiving confirmation via email that the request for validation was received on XX/XX/2021 I waited the remainder of the intitial 30 days given and now I have sent out a follow up notifying the agency that since they are still reporting this negative account on my credit report they are now in violation of the FDCPA and now subject to fines of {$1000.00} which I may collect from filing a claim in small claims court, and I intend to follow through with the suit if I do not hear back from them or see this account removed within 15 days. I also informed them that reporting invalidated information to major credit bureaus may constitute defamation of character, and I want this item removed immediately as it is preventing me from enjoying the benefits of good credit.

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 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
I was previously contacted by this collection agency in XXXX about a debt to a doctor that I do not know. I have never even met this doctor. Supposedly this is about a XXXX that I had in XX/XX/ 2019.

But all of the medical bills were related to that XXXX were paid for by my medical insurance company. This bill was paid in 2019 by my health insurance 100 % and I have no obligation to this doctor. I don't even know who the doctor is. 

I explained all of this to the collection agency called Grant & Weber. They refuse to listen 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 2021-07-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/2021 my credit report had a big discrepancy XXXX XXXX Equifax XXXX : XXXX How can there be a XXXX point score difference

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: MN

Complaint narrative:
I bought a car from XXXX XXXX that was an XXXX  XXXX XXXX. I had the car from a few months. I volunteered and returned the car due to predatory practices. I was abused and felt compelled to invoked my rights as it pertains to the Truth and Lending Laws. The representatives at XXXX XXXX was understanding that the dealer that I bought the car severely overcharge me. The car has been sold, I was also notified that the closed account will be removed from 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 2021-07-02 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: IL

Complaint narrative:
I am contacting requesting help because Transunion continues to report unverified accounts on 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 2021-07-02 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: TN

Complaint narrative:
On XX/XX/2021 my debit card was used for 5 unauthorized transactions : 4 transactions for {$100.00} and 1 transaction for {$200.00}. On XX/XX/2021, after the transactions settled, I submitted a written confirmation of error for each transaction via email to XXXX, as outlined within their Deposit Account Agreement. A claim including 4 transactions ( 3 transactions for {$100.00} and 1 transaction for {$200.00} ) was filed XX/XX/2021. On XX/XX/XXXX, I spoke with a Dispute department representative and their Manager. I was advised that because I did not specifically request to initiate a dispute claim within the email previously submitted or via inbound call, a claim was never filed and an investigation never initiated. The Manager was unable to answer straightforwardly answer how a claim was initiated on my behalf on XX/XX/2021 if this was the case. I was also advised that because the 4th transaction for {$100.00} was not included in the claim filed XX/XX/2021, a new and separate claim would need to be filed for this transaction which, again, further extends the timeframe allotted for provisional credit and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: AL

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: NV

Complaint narrative:
My home XXXX XXXX on XXXX XXXX. My insurance company XXXX sent a 3 party check in the amount of {$170000.00}. My husband and I signed check and overnight it to AAG and check was received by AAG Loss Draft Dept on XX/XX/2021. I was told it would take 10 business days to issue my remaining funds. To date I have not received any funds and only I dont know answers when I question the returns of my proceeds. If it took only 10 business days to process my remaining funds then where is my funds. We are homeless and only getting nowhere with AAG. We are XXXX and XXXX XXXX XXXX riding around XXXX XXXX with no where to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
I went through the process to dispute a fraud charge on my bank account with Community Bank NA. I followed what I needed to and found a hat it was denied due to more charges from that same retailer I also did not make any of those. So instead of providing good customer service the lady decides to tell me its my fiscal responsibility to manage my bank account. I am well aware of my responsibility but I did not make these charges and from then on I was very angry and upset. This could have been managed a lot better than giving me, the customer attitude. I am trying to get things better with my banking and I dont need to be talked to like that. I have again put in a dispute for these charges that I absolutely did not make and will pursue further if they are not dealt with correctly. 
This was beyond bad customer service and I am appalled that as a customer I get talked to like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
After recently signing up for " XXXX XXXX '' to try and improve my credit score ; I noticed an unfamiliar debt ; that had entered into collections. Note ; at first I assumed it was an old debt of mine, as I did have a XXXX XXXXXXXX card, back in XXXX ( closed by XXXX ). 

The collection agency sent me " validation of debt '' paperwork including an account statement ; the statement did not refer to my full legal name, and was using an address I had not lived at in over 5 years. 

I recently was rejected by a bank for a loan, and she said this collection was the sole reason ; and I needed to deal with it. 

I have tried several things to get them to REMOVE THIS INVALID DEBT ; thus far to NO avail. 

I did not authorize, receive, utilize or have knowledge of this account. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. I still have yet to hear any result and it has been over 60 days. I feel as though it is truly unfair and I am being taken advantage of and being ignored of my concerns and disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days, gives a reason to immediately remove these items from my credit report. Since it has been well over allotted time, they should be deleted promptly. I demand these accounts be deleted or I will file for litigation die to the stress you have caused me. My information was impacted by the XXXX data breach and may have got into hands of the wrong person.

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 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called chase in order to get a credit limit increase on both of my cards, one ending in XXXX and the other ending in XXXX. 

The representative pulled my credit TWICE and told me I was approved for a credit limit increase of XXXX in my card ending in XXXX and XXXX in my card ending in XXXX. 

Upon checking a week later my credit limit was not increased to what was I was told over the phone by the customer service rep. 

I called back and spoke with a representative who told me he would have a manager pull the call and listen and get back to me within 7 days. ( I also have the call recorded so I know exactly what was said to me ) Its been over 2 weeks and I never heard back so I called AGAIN on XX/XX/2021 and spoke with a representative who told me and I quote " I can see that the credit limit increase should have been XXXX and XXXX I am not sure what oversight happened that this is not reflecting '' This rep proceeded to put me on hold to go ahead and reach out to a " supervisor '' Upon speaking with said " supervisor '' XXXX proceeded to lie to me over and over again. Giving me false information to suite his agenda and proceeded to tell me that I should run my credit again. How unprofessional, if it was not for the CFPB having the backs of consumers people like this supervisor XXXX will continue to walk all over consumers. I now have 2 inquires on my credit right now and the credit limit I was told I would have is not shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/2021 I made a payment of XXXX dollars due on XX/XX/2021. 
On XX/XX/2021 I made a payment of XXXX for a XX/XX/XXXX due date. 
I was charged a late fee for XXXX. I've been trying to rebuild my credit and was really paying attention to what's going on. I contacted commenity bank in regards to this and they said they will not dismiss the charge and are reporting it as late to the credit reporting agencies. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Finance refuse to reply on my 5 certified return letters. 
I requested the status of my account I requested to answer whether or not Debt was sold, assigned or else? 
I requested to answer whether or not any Attorney was retained to represent them in court? 
I requested carbon copies as per Metro2 and E-oscar submitted to all 3 credit bureaus. 
The company ignored all my requests and never replied to any of my letters.

Company response to consumer: Closed with explanation