vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I wrote a check to a company that provided us a service. This check was intercepted at some point in the USPS mail system and fraudulently endorsed and cash at a XXXX XXXXXXXX in XXXX XXXX. The person who endorsed the check simply wrote " XXXX '' ( For Deposit Only ) and deposited it into their own account. The intended recipient never received the check and confirmed that they did not cash this check. Multiple attempts, including written and signed affidavits, to contact Chase bank on this matter have gone unresolved, and attempts to contact the XXXX XXXX  in XXXX XXXX where the fraud occurred have gone unresolved as well. I discovered that the check was fraudulently cashed on or around XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: NJ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

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 2023-01-18 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:
I am interested in disputing my credit report with transunion checking my file ive noticed alot of invalid information that is hindering my file. all data should be 100 % accurate on each file and it is currently not. update all information requested.

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 2023-01-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank-Bestbuy is not allowing me to apply payments to the balances with higher interest rates. The company applied my payment of {$300.00} to promotional balances with 0 % due to expire on XXXX XXXX, XXXX versus the revolving balance with 25.24 % interest due to start charging on XXXX XXXX, XXXX. I called the company on XX/XX/XXXX at XXXX XXXX and spoke with XXXX and asked that my {$300.00} payment above the minimum due be applied to the revolving amount so as not to incur interest charges that are set to start on XX/XX/XXXX. I told them I was aware of my promotional balance offer due to expire on XX/XX/XXXX and would be paying that balance off prior to the date since I still had several weeks. They refused to apply the amount to the revolving and said that any additional amounts sent in would be applied first to the expiring balance before the revolving balance. Those actions by the company forces me to pay off my promotional 0 % interest balance weeks before it is set to expire to have any additional payments be applied to my revolving 25.24 % interst balance. The company will be charging me interest beginning on XX/XX/XXXX on my revolving balance and still be applying my payments to the promotional balance that is still in effect till XX/XX/XXXX. To avoid interest charged on my revolving account, I have to first pay over {$1000.00} to apply towatds my promotional balance before XX/XX/XXXX and then pay the nearly {$300.00} of the revolving balance. My revolving balance is near {$300.00} and that is set to incur interest on XX/XX/XXXX yet I will have to pay near {$1300.00} by XX/XX/XXXX in order for that revolving not to incur interest. This will also force me to pay off my promotion balance by XX/XX/XXXX when that is not due till XX/XX/XXXX, nearly three additional weeks.

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 2023-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX reported me 30 and 60 days incorrectly. I called and made an arrangement below XX/XX/XXXX to keep my account from being 30 days late. The representative offered me a payment plan and stated as long as I agreed to the payment plan that I would not be reported to the credit bureau as late. I received a 30 & 60 day late. I specifically asked if I would be reported late. I contacted XXXX and was told there is nothing that can be done. I am requesting the 30 day and 60 day late be removed from my credit report. I clearly contact XXXX XXXX and agreed to an arrangement to avoid and credit reporting. Their agent advised me I would not be reported. I was reported late for XXXX and XXXX which is inaccurate. My due date is on XX/XX/XXXX and I called XX/XX/XXXX to make sure I was not late.

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 2023-01-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX reported me 30 and 60 days incorrectly. I called and made an arrangement below XX/XX/XXXX to keep my account from being 30 days late. The representative offered me a payment plan and stated as long as I agreed to the payment plan that I would not be reported to the credit bureau as late. I received a 30 & 60 day late. I specifically asked if I would be reported late. I contacted XXXX and was told there is nothing that can be done. I am requesting the 30 day and 60 day late be removed from my credit report. I clearly contact XXXX XXXX and agreed to an arrangement to avoid and credit reporting. Their agent advised me I would not be reported. I was reported late for XXXX and XXXX which is inaccurate. My due date is on XX/XX/XXXX and I called XX/XX/XXXX to make sure I was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: GA

Complaint narrative:
XXXX XXXX reported me 30 and 60 days incorrectly. I called and made an arrangement below XX/XX/XXXX to keep my account from being 30 days late. The representative offered me a payment plan and stated as long as I agreed to the payment plan that I would not be reported to the credit bureau as late. I received a 30 & 60 day late. I specifically asked if I would be reported late. I contacted XXXX and was told there is nothing that can be done. I am requesting the 30 day and 60 day late be removed from my credit report. I clearly contact XXXX XXXX and agreed to an arrangement to avoid and credit reporting. Their agent advised me I would not be reported. I was reported late for XXXX and XXXX which is inaccurate. My due date is on XX/XX/XXXX and I called XX/XX/XXXX to make sure I was not late.

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 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Yesterday, I contacted Goldman Sachs regarding an email I was sent with a balance and payment due for a credit card that I never opened, nor have I ever used. It was sent to me in the mail last week. I never applied for this card ( it's a XXXX XXXX XXXX XXXX  ). They put a freeze on the card while they conduct an investigation. Whoever opened the card contacted Goldman Sachs on XX/XX/XXXX to add their phone number to the account. There is an inquiry on my credit report dated XX/XX/2022 for this credit card as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
I received in a letter in XX/XX/XXXX a letter from National Commerical Services ( NCS ). 
The amount was stated as {$6100.00} with a loss date of XX/XX/XXXX. 
The Client named is XXXX XXXX ( XXXX ). Which I believe to be an insurance agency. 
I called NCS and told them I had no idea who XXXX XXXX was, and that no calls, letters or emails had been sent regarding the supposed claim. 
The NCS Representative said it had to have been sent, and I told him if it had we would have passed any claims to our insurance if it had been sent. I did ask then to send me copies of such claims from the client XXXX, and he said do you want us to litigate? I told him of course not, I just have no record of any claims and need so info about what the claim is about. I asked them to mail them, and he demanded my email address which I refused. I asked that the claim be sent in the mail, just like the NCS demand letter. He said, " I was making it slow and that I wanted them to file litigation against us ''. Real nice strong arm tactics when all I asked was for a little information to pass on to my Insurance Company. It is basically like he just wants us to pay their company off with absolutely no information. I really don't appreciate being threatened with a lawsuit in a 3 minute conversation especially when I look up the date of loss and have not incidents that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I have made a few attempts to take care of a debt that I dont owe from XXXX XXXX XXXX XXXX I contacting MRS BPO Associates, each time I have explained why I do not owe this debt. Just today, XX/XX/23 I called to ask for email address to send my proof that I do not have any debt. The person I spoke to, today and on another occasion was very rude ( yelling, combative, accusing ) and very verbally abusing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I see a couple inquiries on my credit report, I call them they don't want to show me prouve that I applied for anything, and I called experian to dispute they makes it even harder to get a dispute.

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 2023-01-18 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: NJ

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Back to XXXX, 2022 I was contacted by someone from the XXXX XXXX. The agent who picked up transferred me to a XXXX XXXX who later provided his phone XXXX who proceeded to tell me that he would refund me directly to my Chase account. He began processing the refund by breaking the {$230.00} into two figures, {$60.00} and {$170.00}. He then asked me to enter on my computer, the first amount, {$60.00}. The computer 's visual processing information generated the figure, {$60000.00}. XXXX was very upset because it was such a gross mistake that he could not reverse. Next, he wanted to demonstrate the funds available in my account, so he asked me to log into my account where it showed the credit limit was {$60000.00} more than the original limit. At this point, he demanded I return the money and suggested I go to Chase and request a $ XXXX cash advance. With him on the phone, as he requested, I went to Chase to make the request. The maximum allowed was {$3500.00}, which I withdrew. He then instructed me to purchase XXXXXXXX XXXX XXXX  and provide him with the numbers. This I also did. I returned home with him still on the phone seeking the balance of the $ XXXX. He started by asking that I transfer a $ XXXX XXXX XXXX XXXX to my checking. After the gift cards were purchased, he asked for the identifying numbers on the card. Needless to say, when I contacted XXXX, they confirmed that all of the gift cards were negotiated leaving XXXX balances. Today, I feel lost because my financial situation went bad, I simply feel betrayed. I lost some amount because of the fraudulent company of which I was not aware. That's why, I am coming to you with this official request to help me to get the refund of my full lost money for the amount of XXXX USD. 
Chase verbally declined my request for a refund. I requested a letter with Chase 's decision but to date I have not received it. I contacted Chase today and was told that they will not prepare such letter. 
My case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation