vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-10 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: NY

Complaint narrative:
XXXX XXXX XXXX appears on Transunion credit report as verified and updated. 

However, this account is reporting inaccurately and Inconsistent under the FCRA. 

Account reports inaccurate balance, original creditor XXXX XXXX XXXX  reports a credit limit of {$450.00} while debt buyer reports a balance or credit limit of {$980.00}. this information is inconsistent, and inaccurate. A violation of FCRA rules section 1681 Account reports inconsistent, misleading and inaccurate name of business address and phone number a violation under section 1681 fcra.

Account does not accurately report last date of payment. A violation of FCRA rules section 1681 Account does not appear on either XXXX  be or XXXX this reporting is inconsistent and the violation of fcra rules section 1681.

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 2020-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XX/XX/XXXX, a call from XXXX contact me, he claims he belongs to XXXX XXXX XXXX, and claims that there is a package with my name contain 4 credit card, and transfer me to police, and then the " police '' said that I involved into a global money-laundering crime, and claims that I am one of the suspects,  in addition, he claims that this is country top secret and make me download an app in XXXX App store called " XXXX '' to contact with " security ''. After a few days, with everyday calling and pretend as police to threaten me since I was just a college student, he said that I can afford recognizance to ensure I will not be forced to leave America. I was afraid at that time since every day threatens, I forget the role between America and XXXX and trust his saying. On XX/XX/XXXX, I use wire transfer on Chase website transfer XXXX dollars to them, On XX/XX/XXXX, I transfer another XXXX dollars. This account located in XXXX XXXX, since after transfer, they delete the chat history, I only get some information but I think this is enough to track this account. The Chase wire tracking number for XXXX is XXXX, for the account owner information is XXXX TO XXXX which is the account owner name, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX which is the address. The bank is XXXX XXXX XXXX XXXX  XXXX, the address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Since I was in semester final last month, it takes me a long time to finally realize this is just a scam, I was totally regret what I am doing, I also realize that I leaked too much personal information including my name and address and my XXXX ID. Recently, these cheaters contact me again in order to get more money and also threaten me on " XXXX '', currently, I try to not reply or reply with ambiguous word, but I am afraid since I leak my address, I have already called the local police, but they transfer my case to a special detective and give me a number saying that this number will contact me, but two days already, no one contact me yet. I find this website from our XXXX consulate page about " How to deal with telecommunications fraud in the United States? '' so I contact you guys, I hope you guys can help me, PLEASE! I can attach the information I have collected on attachment since these documents have my personal information, I hope you guys do not leak it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
I made a request with Fed Loans in XX/XX/2019 to recount my eligible payments for the Public Service Loan Forgiveness Program, as the count looked inaccurate to me. It has now been 11 months, and I still have not received the updated count. I have called a total of 3 times in the 11 months, most recently one month ago, and was told that sometimes it " just takes this long. '' I explained the situation, and that my loans have only ever been with one other servicer, and also tried to escalate the conversations to a supervisor, but no one has been able to move this along for me. My loans are pretty straightforward ( only medical school debt, no private loans, all consolidated federal loans ) so I am unsure why it has taken almost 365 days to clarify my qualifying payment count.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10 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: TN

Complaint narrative:
Recently I notified TransUnion of inaccuracies on my consumer report after being notified TransUnion removed the inaccuracies ( names, birthdays, addresses, numbers, and social security numbers ) the accounts that are associated with the inaccuracies remain on my consumer report and I believe that TransUnion is in violation of federal laws by continuing to report the inaccurate accounts

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 2020-05-10 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: NY

Complaint narrative:
I want to complain about systematic false dispute '' " investigations '' by Chase Visa,  which deny and obscure facts to consistently find in favor of the merchant in disputes. Yet another example of this deliberate bias is described below. 
What happened : 1. On XX/XX/XXXX, I bought two tickets on British Airways  using my credit card at a cost of {$3100.00} 2. On XX/XX/XXXX, I changed one of the flights to an earlier one at a change fee cost of {$210.00} 3. On XX/XX/XXXX, BA canceled the new flight and put me back on the old one 4. Thus, the payment of {$210.00} was for a service that never happened 5. I am NOT disputing the cost of the tickets, I AM disputing the cost of a change fee for a change that never happened because BA canceled their own flight When I disputed this charge with Chase Visa, the card company misunderstood the case claiming that I HAD CANCELED THE FLIGHT, not BA. I corrected this in a written communication to Chase Visa ( attached ). I attached evidence of this - an email to me from British Airways ( also attached ). 

On XX/XX/XXXX, Chase Visa wrote to me ( letter attached ) with the result of its investigation, which reached an absurd conclusion : " We found the merchant provided the cancelation policy when you made the purchase and they dont have a record of cancelation meeting the policy guidelines. Of course, the merchants cancelation policy applies ONLY WHEN I CANCEL THE RESERVATION, it does NOT cover WHEN BA CANCELS THE RESERVATION!!!! Even a cursory glance at the merchants policy reveals this how can a complete investigation miss this? Of course BA would have no record of the cancelation meeting the policy guidelines THE GUIDELINES DO NOT COVER THE SITUATION WHEN BA CANCELS ITS OWN FLIGHT!!!! 

Chase Visa refused to return my {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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 — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
I have requested 3x my consumer report while also asking them to freeze my consumer report and the last attempt I sent a notarized letter including a photo copy of my drivers license, SSN card and proof of mailing address but every time I get a letter sent back asking me to send more information identifying myself

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial is trying to collect a debt in the amount of {$110.00} from XXXX XXXX. This account was paid in an insurance settlement with XXXX XXXX. I have contacted XXXX XXXX and Bull City Financial to have this account removed from my credit. Despite multiple attempts, this account remains on my two of my three credit reports. The account was removed from one of my credit reports when I initially disputed the account on all three credit bureaus, and was reported as " verified and accurate '' on the other two. I have provided documentation from Progressive insurance to both XXXX XXXX  and Bull City Financial detailing when the check was sent to XXXX XXXX and the date it was cashed by XXXX XXXX. I would be happy to upload that document here as well. I am trying to buy a house and this collection account is severely hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: F.H. Cann & Associates, Inc.
State: NY

Complaint narrative:
They are supposed to stop payments during this time until XXXX due to the Coronavirus and I call and no one is there. I work for XXXX  and the comptrollers can not stop the garnishment until They hear from them. The dept of education says its supposed to be stopped. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One So i was previous told by Capital One representative, while on the phone, that I would only get charged if, IF, my balance remained above {$0.00} BALANCE. Like all other credit cards i have, if you use money, and the next month you only pay partial, then of course, you'll get a fee from the remaining balance. 

The problem thought is not that I didn't pay and bring my entire credit card balance to {$0.00}, yes, i paid full to {$0.00}, but that after i did so, and the new cycle began, i was notified of a {$3.00} dollar charge of interest. Hold on, that is ridiculous. If you pay the full amount before its due date, bringing it down to {$0.00}, why should i be required to pay for something i am not depending on, like any interest? I mean, i paid the whole balance, all before the due date. Yet, even thought the new cycle began the next month, and even thought my balance showed a {$0.00} before hand, when the new cycle updated, it had a {$3.00} interest charge. 

When i contacted Capital One, the rep explained to me that if I didn't use the credit card for the upcoming cycle ( or month ),  then the {$3.00} would be removed. No reason to be charged. 

So then, i didn't use my Capital One credit card, just because i am not fully certain about them. 

The new cycle began, and guess what -- my new balance was {$6.00} cents. I was charged another {$3.00} ... ..but i didn't use the credit card at all ... .for a whole month. 

Again, i called the first time, and was told that i would not be charged and the balance would be removed. Check my history, the person i spoke with after my XXXX bill was released XX/XX/XXXX. 

I was told while on the phone that yes, i had to have 2 months of {$0.00} balance ... .in order to have no interest. That's not what i was told about previously - check record, it sounds like an intentional lie. It is a joke and a fraud ... and to make it clear ... while on the phone, the guy said that if i didn't use the card, the balance would be canceled ... yet that has not occurred ... He lied to me..he lied while on the phone. That is ridiculous. I don't car about the XXXX dollar fee as much as the lie to me. It insults me to be charged and mislead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
It continuously tells me I cant get a permanent card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: TX

Complaint narrative:
Equifax has consistently refused to allow me online access to my Credit File forcing me to call in and have to wait to speak with an Agent. I have complained to the XXXX  about this matter with no resolution. Today Equifax took me all through the process of Identity Verification as well as changing my password. After completion of these tasks, they then instructed me that they could not help me and to call into Customer Service. Given that my information was completely verified, there is no reason Equifax should not allow me online access to dispute items, etc. I have no other problem with the other 2 Credit Bureaus accessing my credit file online. This type of inconvenience Equifax is causing me is unaccpetable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: TX

Complaint narrative:
Company called Telerecovery placed a Collections Debt in my credit file XX/XX/2020. They have used several company names that they are representing to none that I am familiar with owing. The last company name they used, I managed to find a number and called them. The company XXXX XXXX verified my Identity and said that there was an error and the Collection should immediately removed from my Credit file because the bill was settled over 4 years ago. The company stated that they had encountered multiple problems with their Billing department and were trying to resolve them as quickly as possible. This Collection has ruined my credit, dropping my score more than 50 points, caused my Auto Insurance rates to go up, and it is not even a valid debt.

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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just found out that my credit score are getting lower and lower. When I saw the history these credit beureus are allowing hard inquiries and tons of soft inquiries on my file without my consent. Ive got tons of mails offering from Bank credit card companies, because they access my account without my permission.

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 2020-05-10 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: FL

Complaint narrative:
Inaccurate information on 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 2020-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX was repossessed by Prestige Financial Services. PFS sent me a letter to an address I have never resided in, regarding the XXXX XXXX. Once the letter reached me it stated the car would be sold at auction on or after XX/XX/XXXX. I received no further communication from PFS regarding the car. Prestige Financial Services in the beginning of the repossession reported the car to the credit bureaus as a repossession as of the last credit report they have reported the car as charged off due to natural disaster. They have also reported the car as late payments every month for more than one year to date, and has listed the amount of the original loan plus interest as what is owed on the loan. I a request of document proof of what was owed on the loan after the sale of the vehicle with a fourteen day deadline for receipt of said documents and to have the information removed from my credit report, PFS sent to me via USPS, a copy of the letter from XXXX in the mail with a letter of refusal stating after their investigation they are within their rights to continue to report this information on my report, no other documents were received from my request. Texas repossession laws required the lender to provide documentation without request after the sale of the vehicle to show proof of monies received for repossessed vehicle. If documents are not produced the lender has invalidated their claim to any remaining sums owed on loan. I made a call to PFS on XX/XX/XXXX and spoke with XXXX who informed me I needed to speak with my account manager who was gone for the day, I was transferred by XXXX to the account manager team members where he also informed me one of them would be able to assist me or if they do not answer to leave a message for a return call. I left a message and to date no return call has been received. Below I am attaching my letter to PFS and their response letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
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  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my 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 2020-05-10 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 — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: MN

Complaint narrative:
I try to sign up for an account with sites like credit karma, XXXX XXXX, etc. To check my credit score, but everytime the same thing happens with all of them. There's a problem using my SSN to sign up. I haven't signed up to check my score before, and I called the Social Security office, and there is nothing wrong with my SSN. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
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  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

Company response to consumer: Closed with explanation