vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 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: IL

Complaint narrative:
I, XXXX XXXX placed an online order of XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. It was shipped through XXXX XXXX delivery on XXXX XX/XX/XXXX. Tracking number XXXX initially showed that it was supposed to be delivered on XX/XX/XXXX but it was not delivered on that day and finally the tracking showed that it was delivered on XX/XX/XXXX at XXXX XXXX. I was home all day and there was no delivery made by XXXX, so I contacted merchant via email on XX/XX/XXXX at XXXX XXXX  but merchant never responded to my email. Then I tried to catch them via phone call and was able to speak to person named XXXX and explained him that I have not received my package and there was no doorbell and no XXXX  person. He advised me to check with neighbors and then I checked with my neighbors and front and back door as well but there was no package. Merchant is giving false statements about me. I NEVER said it is common for packages to go missing in my apartment building. I always receive multiple packages safely at my apartment building through all major carriers. Merchant was totally non cooperative and was not willing for REFUND or REPLACEMENT. Merchant also stated property is secured and to speak with property manager. Its not the issue with my apartment building so no use to contact property manager. I did mention that it might be possible that XXXX delivered to wrong address because all the buildings are similar in my area. Merchant filed claim with XXXX because I have not received my package. XXXX declined claim because XXXX  delivery SIGNATURE Option was not requested at the time of shipment. It was perishable Frozen Meat and Merchant should have opted for signature delivery to get my item in time. Out of {$450.00} I paid {$130.00} for shipping cost. When I have paid high shipping amount then it was Merchant responsibility to ensure package properly about lost or stolen insurance and option for signature delivery, as all other merchants do for high value deliveries. I am a long time CHASE CUSTOMER since XXXX and I believe that it is unfair that I must bear loss of {$450.00} when I have not received my item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Credit Plus Inc
State: TX

Complaint narrative:
Hi, I need you help! I have reached out to both of these companies in the past. I discussed mortgage lending options with them. They were not allowed to pull my credit report! But yet I not see that they DID inquire and pull my report. I was actually told that they WOULD NOT pull my credit report. This is why I was discussing a loan with them in detail with the understanding but was not ready to purchase yet. Tricky!!! 

I would these crooks inquiries removed permanently from my credit report ASAP. 

# 1 - XXXX XXXXXXXX XXXX # 2 - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The bureaus are reporting inaccurate, unverified accounts on my credit report. This is impacting my ability to better my life. I need these things corrected on my credit report as possible as possible.

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 2021-03-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to 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 2021-03-10 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: TX

Complaint narrative:
I have currently have incorrect personal information on my credit report. 


Please update and my name, address and employers to the following and delete the rest. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Employer- Retired Please remove all other names, addresses, and employer information if not listed above.

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 2021-03-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have currently have incorrect personal information on my credit report. 


Please update and my name, address and employers to the following and delete the rest. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employer- Retired Please remove all other names, addresses, and employer information if not listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: SC

Complaint narrative:
The bureaus are reporting inaccurate, unverified accounts on my credit report. This is impacting my ability to better my life. I need these things corrected on my credit report as possible as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
XXXX XXXX I received a deposit for XXXX from XXXX XXXX I sent XXXX to a family member in order to get cash because chime only allows for XXXX dollars atm withdrawals. I also withdrew XXXX dollars. I then transferred XXXX into my savings as I didnt want that much money sitting inside my spending account. I also put funds onto my XXXX XXXX  card. At XXXX I received an email stating my account was on hold and I had no access to my mobile app or funds. I sent in ALL required documentation they asked me for which were my ID front and back, picture of me holding my ID, proof of address. I sent them all of that. I later received an email asking me to send proof of the deposit in question which was a XXXX loan made to me and under my social. I sent them my loan documents which showed everything even where the deposit in question was going which was my chime account. That wasnt enough they then asked for proof of the deposit again but this time they asked for articles of incorporation and state registry paperwork. Im an iXXXXt XXXX Im not required to have any of that. They then closed my account and said they will not refund me for the remaining money in account and refer to section 9 of their policy ( Section 9 states if balance is 1.00 or less a refund wont be issued ) I had XXXX left all together from my checking and savings. I have given them all verifying information. They then asked me to provide a 1099 misc or invoices of service. I let them know I send invoices to my clients and I provided that and they STILL refuse to release the money to me. My invoices,1099 misc , articles of incorporation, state registry doesnt confirm the deposit. I gave them the very piece of information that confirms the deposit which is the loan documents from itria ventures themselves. Chime has even stolen money that was in my savings account before I received my loan. They are stealing from my family. My bills are past due, I have a XXXX son. I contacted a lawyer for advice who said they are violating several laws. I am required a check in the mail for any funds left over in my account. They are trying to steal money from people who need it most. Please help me recover my funds please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: FL

Complaint narrative:
Company In Violation ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX Shown on Credit Report ; Original Charge Off Balance XX/XX/XXXX : {$14000.00} Balance Shown on Report XX/XX/XXXX : {$18000.00} Highest Charge Off Balance XX/XX/XXXX : {$23000.00} Hello CFPB, XXXX XXXX has continued to add INTEREST to the charged off balance on my credit report. I called and asked XXXX XXXX if they could report the correct information base on our payment agreement and they REFUSED. XXXX XXXX has refused to report the correct information on my credit report. This has caused my credit score to drop. Additionally on XX/XX/XXXX XXXX XXXX added a UNAUTHORIZED inquiry to my credit report which was later removed. 

On XX/XX/XXXX I entered into payment agreement with XXXX XXXX to pay the debt as stated in the attachment. The amount shown on the letter is for {$17000.00}. I paid XXXX XXXXXXXX a LUMP SUM of {$5000.00}. I have made 4 monthly payments of {$100.00}. XXXX XXXX still has INACCURATE information on my credit report. The current balance should be {$11000.00} as of XX/XX/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 2021-03-10 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: FL

Complaint narrative:
Company In Violation ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX Shown on Credit Report ; Original Charge Off Balance XX/XX/XXXX : {$14000.00} Balance Shown on Report XX/XX/XXXX : {$18000.00} Highest Charge Off Balance XX/XX/XXXX : {$23000.00} Hello CFPB, XXXX XXXX has continued to add INTEREST to the charged off balance on my credit report. I called and asked XXXX XXXX if they could report the correct information base on our payment agreement and they REFUSED. XXXX XXXX has refused to report the correct information on my credit report. This has caused my credit score to drop. Additionally on XX/XX/XXXX XXXX XXXX added a UNAUTHORIZED inquiry to my credit report which was later removed. 

On XX/XX/XXXX I entered into payment agreement with XXXX XXXX to pay the debt as stated in the attachment. The amount shown on the letter is for {$17000.00}. I paid XXXX XXXXXXXX a LUMP SUM of {$5000.00}. I have made 4 monthly payments of {$100.00}. XXXX XXXX still has INACCURATE information on my credit report. The current balance should be {$11000.00} as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company In Violation ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX Shown on Credit Report ; Original Charge Off Balance XX/XX/XXXX : {$14000.00} Balance Shown on Report XX/XX/XXXX : {$18000.00} Highest Charge Off Balance XX/XX/XXXX : {$23000.00} Hello CFPB, XXXX XXXX has continued to add INTEREST to the charged off balance on my credit report. I called and asked XXXX XXXX if they could report the correct information base on our payment agreement and they REFUSED. XXXX XXXX has refused to report the correct information on my credit report. This has caused my credit score to drop. Additionally on XX/XX/XXXX XXXX XXXX added a UNAUTHORIZED inquiry to my credit report which was later removed. 

On XX/XX/XXXX I entered into payment agreement with XXXX XXXX to pay the debt as stated in the attachment. The amount shown on the letter is for {$17000.00}. I paid XXXX XXXX a LUMP SUM of {$5000.00}. I have made 4 monthly payments of {$100.00}. XXXX XXXX still has INACCURATE information on my credit report. The current balance should be {$11000.00} as of XX/XX/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 non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: WA

Complaint narrative:
I received a notice in the mail offering to settle on a debt and that failure to do so would result in account being sent to a 3rd party collection agency ( the letter came from a 3rd party collection agency ). I called to ask what this was about and was told it was for a debt that happened in XXXX. I told her this was paid in full a long time ago ( in XXXX ) and asked her why I was just being notified about this. She asked if I had a receipt I told her no its been XXXX  years since I paid this, she told me without proof this was a valid debt so I must have paid some thing else. I told her I disputed this as has been paid and I would not be paying it and she told me thats fine her client told her to move forward with a judgement. So even if this had not been paid ( which it has ) this debt is XXXX  years old why are they threatening to file a lawsuit on me? Also I know it was paid as I had to pay it in order to get it removed from XXXX XXXXnd I was unable to get a bank account until it was paid. It was also taken off my credit report when I paid it.

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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
XXXX XXXX / cavalary portfolio is harassing me with phone calls, I have disputed the accounts with them because I am a victim of XXXX  XXXX and these accounts were opened without my knowledge by my ex wife and I want them off my credit report and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Hello, This is a formal complaint against Sequoia Financial Services. The debt collection of {$7500.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the 1st for the past 6 months to ask to please stop calling other people around me. I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Sequoia Financial has continued to get information from a third party for me to pay the debt. Violating their privacy and others. Under the Hippa law protection, Sequoia has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Sequoia Financial has violated laws in trying to collect a debt. They have broken the rules when trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TX

Complaint narrative:
Transunion recently raised my credit score by 29 points on a Saturday and the next day they lowered it by 49 points. Nothing changed on my report. As a matter of fact, they reported that a couple of my accts had decreased in balance. I called Transunion for an explanation as to why my score decreased and the customer service rep could not explain it. My credit has been the same for the last few months. The three derogatory items are at least 6 yrs old. There were no recent inquiries, collections or missed payments.

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 2021-03-10 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: CA

Complaint narrative:
Submit again : the Experian just closed the case. He ask me to sumbit my details but no email address. How can I do? Where should I send my information? Just close the complaint case is over? 

In 2020, a company named XXXX XXXX inquiry my credit many times. And, it send many letter to my home. I dont give the permission to this XXXX XXXX inquiry my credit. I am worried about it. Please give me support. 

My email is : 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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In respone.to complaint # XXXX. I was called mutiple times during work hours requesting information. I replied and was directed to a bank manager and was informed that she was sorry about the issue and was nothing in her power to resolve my issue. I feel cheated and bullied by this bank.

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 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: GA

Complaint narrative:
I have requested on numerous occasions that RECEIVABLE MANAGEMENT CORP provide a VERIFIED/VALIDATED CONTRACT bearing my signature showing that I received goods and or services that I agreed to pay for. Each time I have contact them I am handled aggressively and unprofessionally. Please assist. They have yet to provide any evidence of their fraudulent claim and any information that I have provided they have used to further update my credit profile ( negatively affecting me and creating financial hardship ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: NY

Complaint narrative:
Dear CFPB I am writing to dispute the following information on my file. 
The inquiries below were not requested by me nor have I applied for credit. 
XXXX CARD XX/XX/XXXX, XXXX  CARD XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX XX/XX/XXXX. 
Collections : Reason : The accounts made or posted on my Credit Report are fraudulent. I do not recognize these creditors or collectors and I have not conducted business with them in any way. 
XXXX XXXX. XXXX. Account # XXXX XXXX XXXX XXXX. ( XXXX ) Acc # XXXX The accounts below do not belong to me and I do not recognize them. 
XXXX  XXXX XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX These Addresses do not belong to me and are inaccurate : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX All this information was review and not resolved on XX/XX/XXXX 2021

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 2021-03-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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