vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am the Trustee of an account at JPMorgan Chase Bank. On XX/XX/XXXX the funds were set to NYS Unclaimed Funds. I moved my office and did not receive the notice that the funds were sent to the state. During a search for unclaimed funds on this client I saw that the Trust funds in the amount of {$69000.00} were listed on the state website. I requested the funds from NYS and they are unable to locate the funds. They sent me a letter telling me I needed to contact the bank for further information and included a Claim Information Affidavit for the bank to fill out regarding when the monies were sent to the state. In XXXX of XXXX I called JPMorgan Chase and spoke to the Unclaimed Funds department. They were not able to help me. They referred me to the Escheatment Department ; they were not able to help me. I sent a letter to the Escheatment Department with a Abandoned Account Notice and a bank statement. I did not get a response to my letter. On XX/XX/XXXX I went to the Chase branch where I opened the account and after being with the banker for over two hours they were not able to locate any information about the funds. The banker scanned a copy of the bank statement showing when the funds were transferred out of the account to the state and also the Claim Information Affidavit. They were emailed to someone within Chase. We have not heard back from Chase regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: MS

Complaint narrative:
I never did business with west lake services. Theyre adding payment history thats not mine. Remove this account immediately.

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 2021-02-04 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: FL

Complaint narrative:
This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.

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 2021-02-04 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/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 explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc.
State: IL

Complaint narrative:
ACT contacts my job daily, despite asking them to only contact me via my cellphone. I can not receive calls at work, and calls have to be transferred to me, disrupting others work day, including mine. This was discussed when I've talked to them before. I work in a school and can not receive calls at any part of the day. Their communication is abrasive, fast, confusing, and purposely predatory. When the do call, they are usually talking very fast and quiet in order to confuse whoever is talking to them. I had payments set up with them, and was still unsure what it that I was agreeing to because the nature of the calls are so purposely quick, confusing, and threatening. At that time, I did ask them to not contact me at work, and they call daily despite that. They were given my cell phone number and my work times so that they know when I am able to be contacted. When they contact me on my cell phone, they do not leave messages, so I am unsure whether a number or contact is legitimate or spam. I do not feel comfortable contacted unknown names and numbers when they are quick talking and asking for personal information, and threatening to garnish wages if you don't make a payment, but you have no clue who they are. I have attempted to change my bank information online, and am not able to. I received a call on XX/XX/2021 which was so quiet and unclear that I couldn't hear what they were saying, and the person continued to try and go through their fast talk and threats, even when I asked if I could have a number to call from my cell phone or if he could contact me on my cell phone. I do not feel safe contacting them due to their threatening contact techniques, and will be contacting a lawyer to handle future issues.

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 2021-02-04 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:
Over the past 12 months I have contacted Experiean and told them that the information that they have that I have lived at apartment XXXX in XXXX XXXX Nevada is false and that I neve lived in an Apartment in addition the same company that keeps telling Experian that I lived in this apartment is XXXX  who inadittion says that I last made a payment to them in 2019. Well not only did I never live in an apartment that had an a unit number of XXXX but I never made any payments to XXXX no do I have a loan with XXXX, In addition XXXX keeps telling Experian that I own property in XXXX XXXX and that they have a mortgage on it. I do not own any property in XXXX XXXX. 5 times experian has asked XXXX to provide proof that I own property in XXXX XXXX and XXXX that I ever lived in an apartment that had a unit number of XXXX In addition I asked Experian 5 times to get proof from XXXX  that I sent them any payments especially proof that the last payment I sent XXXX  was in 2019. Today XXXX has sent no proof to Experian, and this was verified by experian to me that XXXX has not sent any proof to Experian that I ever lived in XXXX XXXX at an apartment listed with a unit number of XXXX, proof of any payments I ever sent to XXXX, proof the last payment XXXX  recived from me was in 2019, Proof of that 2019 payment, and Proof from XXXX  that I own any property in XXXX XXXX. ; 5 time already I request experian get this information from XXXX  and 5 times Experian says they tried to obtain this information from XXXX  and it was not provided. YET its EXPERIAN who refuses to delete this information from my credit report and has cause my XXXX score to be 150 points lower than XXXX XXXX XXXX score. Its is Experian who is responsible and liable if XXXX has not provided Experian the proof and EXPERIAN has not sent me the proof from XXXX XXXX XXXX XXXX XXXX ) then by law, XXXX must remove the XXXX  derogatory harming information from my cfredit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: NY

Complaint narrative:
This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, XXXX  & XXXX. The three national bureaus are reporting incorrect information regarding a Chapter XXXX bankruptcy I filed in the year 2015. I have filed several disputes in the previous months to which I have not received responses. All three companies have not provided me any investigation results, they have only wasted my time and efforts in preparing disputes. I am on the verge of considering a big public lawsuit against the three national bureaus if my request is not honored. 

The closing date that XXXX  is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date that XXXX  is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date Equifax is reporting is unavailable. Equifax has failed to publish the correct information. 

The Bankruptcy filing date Equifax is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint against XXXX, Experian & XXXX. The three national bureaus are reporting incorrect information regarding a Chapter XXXX bankruptcy I filed in the year 2015. I have filed several disputes in the previous months to which I have not received responses. All three companies have not provided me any investigation results, they have only wasted my time and efforts in preparing disputes. I am on the verge of considering a big public lawsuit against the three national bureaus if my request is not honored. 

The closing date that XXXX  is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date that Experian is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date Experian is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date XXXX  is reporting is unavailable. XXXX  has failed to publish the correct information. 

The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015

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 2021-02-04 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am writing to ALLY FINANCIAL ( Opened XXXX XXXX, 2014 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting ALLY FINANCIAL agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
To whom this may concern, I would like to know what happened with the money I sent {$68000.00} to pay my loan # XXXX on XX/XX/2021. 

This loan number corresponds to XXXX XXXX XXXX XXXX, CA XXXX. 

The morgage company information is : XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX I called every single day, but nobody answer phone calls. 

I have sent plenty of emails and faxes, but no answer either. 

I am sending copies of my payment through a wire transfer. 

Thanks for letting me know why my loan is not payoff yet. 

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 2021-02-04 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: WA

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: CARD Corporation
State: OH

Complaint narrative:
Card.com blocked one of my cards due to third party transfers in a family members name in or about XXXX. I never used the card again they eventually shut the card down perminantly and on XXXX my EIP STIMULUS PAYMENT WAS SENT AND INSTED OF PUTTING it on my other card or sending me a new card they put it on the canceled card and even went as far as taking their monthly fees out of the money I didn't know where my EIP MONEY went to when I checked the where's my payment tool on irs.gov I didn't recognize the account number I came across the paperwork for the card yesterday and saw the account number and checked the app for card.com and saw the deposit there and contacted them and refuse to give me my money I hope you can help me get my EIP I seriously need that money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Credit Central Holdings, LLC
State: NC

Complaint narrative:
I was told by a member of Credit Centrals office in South Carolina that once I paid the account in full this account would be DELETED from my credit report. I have paid this in full and have disputed this item several times with this company but yet they continue to report this account. This is fraudulent and the company blatantly lied to me about payment. Now that I have followed through and paid everything owed they have not removed this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC
State: NC

Complaint narrative:
P & B is contacting me currently with very vague threats intentionally to intimidate me into settling a debt. I received a text from XXXX that states exactly " XXXX XXXX today 's status change to your account has directionally intensified. To rectify call P & B today. XXXX file # XXXX Stop to Stop '' I do believe that it's been completely clear for a very long time that this is unethical and therefore an illegal practice to use to attempt to collect a debt. I feel that I should report it to help others that they may be using illegal and threatening collection tactics against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Dear Sir/maam Subject : complaint about unlawful collection activity of a credit card, & collection agency. 
Being a dentist, I had no source of income for months ( 6 ) last yr, due to covid mandatory shutdown. 
but XXXX XXXX kept calling, emailing me for monthly dues.all credit card cos were required to offer a deferral programme.but this is the only credit card, that did not even have a deferral programme. they only waived late fees for 2 months, and kept charging me even late fees?? 
I talked to them couple of times, once the agent said, its ok if I cant pay, they will stop the collection for a period of time. But they never did that, only kept adding late fees, and sending me monthly bills, month after month.shockingly, they were mean enough to call me all the time, even on my home phone, and disturb sleep of seniors at home! 
Due to their lack of total sensitivity, I stopped even trying to talk to them.whereas, all other credit cards cos, have been humane, and offered my deferment plans.and I am paying them all on time now. 
I do know, that all credit cards cos were supposed to offer deferment plans, to those effected by lockdown, and total loss of income.but, XXXX XXXX had no such plan?? 
I am also head of household, so any effect on my credit score adversely effects the whole family.its not even my fault. 
my office was closed again since XXXX XXXX, due to very high covid cases in this county. 
i am trying to take baby steps to re-open, but not much business.it will take few months to even get business back to where i can afford to pay essential bills. 
dont forget, i have to file taxes too. 
all the late fees added so many times ( aleast 6 times ) need to be removed. 
i can only think of paying sometime next yr, in 2022, not this yr. 
Finally, XXXX XXXX was quick to transfer my acc to a collection agency.i just can not can not afford to pay this years sir. Have soo many urgent bills like electricity, food, gas, rent,,, to pay first. 
I have seniors at home too. 
I have no choice to file a complaint about this ongoing harassment. 
Thanks XXXX XXXX XXXX credit # 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 2021-02-04 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: WA

Complaint narrative:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed 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