vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: FL

Complaint narrative:
In XXXX I got a {$1900.00} loan. When I submitted my application it asked for my pay dates which are the XXXX and the last day of every month. Upon review of my loan these were reviewed and agreed-upon. When I received my first statement in the mail my due date was different than my paydays. When I first inquired back in XXXX, there was no explanation. I made a {$600.00} payment. My next due date was in XXXX in which I made a {$500.00} payment. upon that payment I inquired about the payment due dates once again and thats when I was told that their company does not allow for payment due dates to fall in the last day of the month. So I was switched to monthly payments. Then on XX/XX/XXXX I made a payment in the amount of {$330.00}. All but {$24.00} went toward interest. Yet the previous two payments in the amount of {$500.00} and {$600.00} went directly to principal. 
When I made my XXXX payment in the amount of XXXX I asked that it go to principal and they assured me at one. This payment was processed on XX/XX/XXXX however on XX/XX/XXXX they increased my principal balance by {$460.00} and then applied my {$500.00} payment. It took three different phone calls and three different representatives to tell me that I had accrued {$460.00} of interest. Yet when I looked at my account history I had never incurred that much interest in between payments. again no one could really explain this and I was told I would be contacted by a supervisor and that never happened. I even filed a complaint with the XXXX XXXX XXXX and they never responded to their attempts to resolve the situations. 

I called again on XX/XX/XXXX, To inquire about paying off my loan and that I would like to make a payment for the principal amount and I was told that they do not allow that that some had to go towards interest. Again thats not what happened to my first two payments as they werent entirely to principal. I was put on hold while she investigated and of course nobody came back to the line so I hung up and went on their website and decided to pay off the loan in full so that I no longer had to deal with this company. 

I borrowed {$1900.00} in XX/XX/2020 and paid a total of {$2900.00} by XX/XX/2020. In four months I paid an extra XXXX dollars. I was never made aware of the interest rate every time I logged into my account the interest rate state XXXX XXXX I inquired about the interest-rate via email and of course the representative never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a complaint on here a few weeks ago XXXX XXXX XXXX XXXX and also had the CFPB send a copy to the original creditor JP MORGAN CHASE BANK. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome XXXX XXXX XXXX XXXX which was attached states the Chase is there CLIENT. Also XXXX XXXX XXXX XXXX use lawsuit as a fear tatic and is perceived as a threat. In a response XXXX STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both XXXX XXXX XXXX XXXX and JP MORGAN CHASE BANK responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly XXXX XXXX XXXX XXXX said for me to contact them to discuss more info but how if you dont own the debt as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
I filed a complaint on here a few weeks ago ARS NATIONAL SERVICES Inc and also had the CFPB send a copy to the original creditor XXXX XXXX XXXX XXXX. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome ARS NATIONAL SERVICES Inc which was attached states the Chase is there CLIENT. Also ARS NATIONAL SERVICES Inc use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both ARS NATIONAL SERVICES Inc and XXXX XXXX XXXX XXXX  responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly ARS NATIONAL SERVICES Inc said for me to contact them to discuss more info but how if you dont own the debt as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Failure to XXXX, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the following items within the time set forth by law. 

Capital One Bank Usa XXXX Open Date XX/XX/2017 Capital One Bank Usa XXXX Open Date XX/XX/2017 Balance {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Thaxton Investment Corporation
State: TN

Complaint narrative:
The account from Heights Finance listed, was charged off in XXXX of 2018. On my XXXX  report it shows the charge off amount was {$2400.00}, but it continues to go up every month and shows at this moment an amount of {$4000.00} owed, this should not be happening due to the account being charged off. On my XXXX  report it shows the charge off amount of {$3400.00}, it also continues to go up every month and shows an amount owed of {$4000.00}, this should not be happening due to the account being charged off. On my XXXX  report it shows the charge off amount was {$3400.00}, it also continues to go up every month and shows at this moment an amount owed of {$4000.00}. I need this resolved immediately, as it is hurting my credit rating significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 pulled my credit report and noticed my low score. I took a look at the things that were hurting me and noticed inaccurate information. I called about the account stating that I had several missed payments and noticed each one are reporting something different on all 3. Can you remove this off my account immediately! I never had this account and dont know where it came from.

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 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I paid my bill in full on they have overcharged me in interest and fees. They refused to remove a 34.00 interest charge from my account. I paid my bill in full. They took away my rewards and my account has always been in good standing. I would like Bank of America to remove this fee from my account. They are going to report my account negative because I refuse to pay for this overcharge in fees.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: CA

Complaint narrative:
A company got my background check done from you guys! And they said it didnt clear I would like to know why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 pulled my credit report and noticed my low score. I took a look at the things that were hurting me and noticed inaccurate information. I called about the account stating that I had several missed payments and noticed each one are reporting something different on all 3. Can you remove this off my account immediately! I never had this account and dont know where it came from.

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 2020-11-03 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 pulled my credit report and noticed my low score. I took a look at the things that were hurting me and noticed inaccurate information. I called about the account stating that I had several missed payments and noticed each one are reporting something different on all 3. Can you remove this off my account immediately! I never had this account and dont know where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Disputed account information with current creditor as credit report directly conflicts information recently reported by the original creditor, as of XX/XX/2020. Current creditor insists the verification process is thorough and accurate. However, the difference between the two amounts reported is several XXXX dollars, and the order of error magnitude is twice whats reported by the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: ERC
State: CO

Complaint narrative:
I opened a XXXX XXXX credit card account and made one purchase in I believe XX/XX/XXXX in the amount of approximately {$130.00}. This is all approximate because I never received a statement. Not one. I did receive the credit card so I know that XXXX XXXX had my correct address. In early XXXX I received a letter from ERC stating my XXXX balance was unpaid and had been placed with them for collection. Amount due being {$330.00}. I was shocked because I always pay my bills on time and then I realized I never received any statements from XXXX XXXX. I sent a letter to ERC on XX/XX/XXXX requesting more information about this, following the instructions given in the ERC letter for requesting more information. After not receiving anything I sent another letter on XX/XX/XXXX, again requesting more information and requesting a response by XX/XX/XXXX. I have not received a response. I called XXXX in XXXX and they told me because they had given this account to ERC there was nothing they could do, I had to deal with ERC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TN

Complaint narrative:
There are two of student loans on my credit file that I have been disputing since XXXX.The loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXand XXXXI was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report inaccurate information.

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 2020-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My daughter purchased a used vehicle and was making payments on it. The loan was through Chase Auto Finance XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX. This account is being shown on my credit report as a charge off. I called Chase Auto Finance and explained that is showing a paid charged off on my credit report. I explained that this was my adult daughters car and not my responsibility. I asked them to send me a copy of the car contract from the dealership to show that I signed for the car. That request was done in XXXX of 2020, I called Chase again because I never received a copy of the car contract and its now XX/XX/2020. They stated that they requested the wrong document and were requesting it again. I explained to Chase that this was not my financial responsibility and secondly the car was not charged off, my daughter paid the car in full. In fact, Chase sent her the pink slip of the car, why would they do that if monies were still owed? Chase agreed that the balance was XXXX but its still a charge off. I let Chase know that I am purchasing a home and this error they are reporting is affecting my purchase, but they would not budge. To me, a charge off is when a creditor did not receive payment in full, in this case the balance is XXXX  and they still are showing a charge off. So when other lending institutions look to my credit they think that I did not pay this account in full, when in-fact it was not even my responsibility. I have been dealing with this since XXXX for 5 months now. 
I need CFPB to help me clear this item as the credit reporting agencies are saying the Chase Auto Finance keeps telling them that they are reporting this correctly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: NJ

Complaint narrative:
On XX/XX/20, I submitted a complaint to the identity theft.gov/consumer regarding the inaccurate information on my credit report. This has been the result of identity theft and has caused emotional distress and turmoil for my family and myself. I would like this to be removed within 7 days from 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 2020-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 2020-11-03 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: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: NJ

Complaint narrative:
On XX/XX/20, I submitted a complaint to the identity theft.gov/consumer regarding the inaccurate information on my credit report. This has been the result of identity theft and has caused XXXX XXXX and turmoil for my family and myself. I would like this to be removed within 7 days from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: NJ

Complaint narrative:
On XX/XX/20, I submitted a complaint to the identity theft.gov/consumer regarding the inaccurate information on my credit report. This has been the result of identity theft and has caused XXXX XXXX and turmoil for my family and myself. I would like this to be removed within 7 days from 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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
there are 3 wrong addresses on my report that I have never been associated with. I believe this is a result of identity theft. Any address in New York is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 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: MI

Complaint narrative:
Upon recently checking my current credit report I noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 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 2020-11-03 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: TN

Complaint narrative:
Equifax refuse to remove items from my credit report that was due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
there are 3 wrong addresses on my report that I have never been associated with. I believe this is a result of identity theft. Any address in New York is incorrect

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
there are 3 wrong addresses on my report that I have never been associated with. I believe this is a result of identity theft. Any address in New York is incorrect

Company response to consumer: Closed with explanation