vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMCB sent an " Explanation of Calculation of the Deficiency '' and stated that on XX/XX/2019, they sold a vehicle securing an account in accordance with the " Notice of Our Plan to Sell Property '' which they stated they sent to me. JPMCB claims they repossessed a vehicle on XX/XX/2019 and I still have yet to receive any notice of repossession letter in the mail. The Illinois Vehicle Code requires that this notice of repossession/notice of redemption be mailed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX Wells Fargo Security : Account On Temporary Hold! Due to some suspicious activity we need to verify this account belongs to you. Verify at XXXX XXXX XXXX second time in a week this happened. Yesterday XXXX bank and I reported it. 

Get the 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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
compromised credit file. 5th attempt. license are on your file.

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 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
Enhanced Recovery Company continues to assert that I owe a debt to a phone company that I have not done business with in years. This is not my account and I don't owe any money to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX GM Financial - 2 applications on same day! 
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
On XXXX a check payment to XXXX XXXX  in the amount of {$500.00} cleared my account- screen shot attached. Other payments came into my account AFTER this payment cleared that caused an overdraft. Rather than returning a payment that caused the overdraft - the payment for XXXX was returned. Screenshot attached. This payment was for my electric bill and is going to cost me a returned payment fee and they will no longer accept payment by check. This payment should have never been returned as you can see from the attached there were enough funds in the account to cover the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
These are not my accounts I have no obligation to pay these debts. i sent a debt validation request to the debt collector called Midland Funding LLC for both accounts on XX/XX/2021 to validate the these debts and you received it on XX/XX/2021 certified mail and return receipt see attached so you have 30 days since you received it to respond and validate these accounts under the FDCPA and FCRA you are in violation since you failed to answer me that means you couldnt validate these are indeed my debts and you couldnt prove that I have any obligation to pay these debts so you must cease all collection effort and desist any future communication with me.Remove these negative items from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We took the car to XXXX XXXX XXXX for them to buy the car. The sent in a check to JPM chase company. They lost the check. Thats the month of XXXX. So for XXXX they said it was a late payment. Then XXXX sent in another check. They didnt cash the check until the first week of XXXX. I called and complained. Told them they are ruining my credit. They said it was all their fault and it was taking them a while to process the checks. So for 3 months they said I was late on the payment. Which I wasnt. I didnt even have the car. They also just sent me a check for over payment. So the account is closed. I sent in a complaint to XXXX. My credit is being reflected negatively. I cant buy anything right now. So I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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:
Disputes were submitted to TRANSUNION on XX/XX/21 and also on XX/XX/21 to dispute the Accuracy of the information on my Credit Report regarding a debt collection company named XXXX XXXX. The Dispute Reasons were ( 1 ) The balance and/or past due amount are/is incorrect, ( 2 ) The account is settled for {$480.00}. The results from TRANSUNION for the two separate Disputes were dated XX/XX/21 and XX/XX/21. Both Investigation Results continued to report INCORRECT INFORMATION for the Balance Owed. Most Importantly TRANSUNION did not even make any mention of the Dispute Item regarding the fact that the account with XXXX was Settled for {$480.00}. It appears that XXXX and TRANSUNION completely ignored my Dispute about the account being settled. Monthly payments are currently being handled by XXXX XXXX XXXX. It is my wish that TRANSUNION will remove XXXX XXXX item from my credit report. XXXX  and XXXX  removed XXXX collections from those credit reports several months ago.

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 2021-08-12 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 have attached two accounts that are currently reporting inaccurate information to all three of my credit bureaus, I have highlighted the inaccuracies. Per the FCRA anything reported in my name has to report 100 % accurate information. Please delete these two accounts from all three of my credit bureaus.

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 2021-08-12 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:
I have attached two accounts that are currently reporting inaccurate information to all three of my credit bureaus, I have highlighted the inaccuracies. Per the FCRA anything reported in my name has to report 100 % accurate information. Please delete these two accounts from all three of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Back on XX/XX/2021, I contacted Equifax & submitted legal documentation regarding the collection account they have listed on my consumer report for XXXX XXXX XXXX. I informed them & provided documents stating that this account needed to be removed as XXXX XXXX XXXX is committing several FCRA violations. Thus far, Equifax has refused to remove that account. At the same time that I contacted XXXX, I also contacted XXXX XXXX XXXX as well and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX XXXX via mail dated XX/XX/2021, that this account does not exist. Therefore Equifax immediately needs to delete / remove this fraudulent account from my consumer report within their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I am writing to complain about the closure of my accounts with Chase Bank. I was first charged a {$34.00} overdraft fee repeatedly for the same unpaid charge. These duplicate fees were reversed on my request, which brought my account to a positive balance. In an effort to make every XXXX count, I had also deposited a check for {$13.00} on XX/XX/XXXX. This brought my account to a total of {$110.00} available. 

On XX/XX/XXXX, my debit charges began to fail. When I contacted Chase, I was told that the check I deposited had expired, and that once it was returned my account would be unlocked. I was advised this process would take 2-3 business days. Each time I called to follow up I was given different information as to why my account was locked and when I would have access to my balance. 

On XX/XX/XXXX, I was advised that the bank believes the check to be fraudulent and would not be reinstating my account unless I could provide information to verify the check. I publicly complained via XXXX and received a direct message from customer care advising that they filed a formal complaint on my behalf. 

When I called on XX/XX/XXXX ( in an attempt to provide a phone number to the legal firm handling the payment, though I still believe this burden should not have been mine ), I found that my account had been debited the total amount of my balance and closed. The total withdrawn from my account on XX/XX/21 was {$110.00}. 

I recognize that this is a relatively small amount of money, but due to my account being locked I was unable to refill needed prescriptions related to my XXXX, and I was unable to pay my phone and internet bill in order to keep working. I believe that locking my account with cause or reason is unethical, and potentially illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I called american express in XX/XX/2021 to cancel my XXXX XXXX card before the {$95.00} renewal fee was due. The person at amex confirmed it was cancelled and there were no outstanding charges. Yet, in XXXX of 2021, i get a statement for {$95.00}. I call in American express again to say i cancelled my card already, so you need to confirm that and credit my account the {$95.00} as i do not owe it. I get a confirming email that its cancelled and wait for the credit to my account. But the credit is never made and says it is due in XXXX. I call amex again, they refuse to credit my account and say they will contact me with a decision after listening to the XXXX call. I get a call 3 days later and the representative is very hard to reach and leaves a voicemail saying they refuse to give me and answer as to my credit until they speak to me. So i still owe {$95.00} for a card i had cancelled. This is FRAUD, the {$95.00} charge is fraudulent and i need a credit to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft WSLFRG XXXX NA Account Number : XXXX This is not mine. 

6. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.

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 2021-08-12 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
Because of the pandemic I have been unemployed for an extended period of time and the company A.E.S. does not follow the President and Congress ' guidelines for a moratorium on payments and interest. The current moratorium is until XX/XX/2022. The continue to list my account as past due for more than 30 days as this is XX/XX/XXXX and before the President extended payments due was to start on XX/XX/XXXX. None of this makes any sense. They do not respond and if they do it is an unpleasant experience. I have just recently been a victim of identity theft and am working hard to straighten out my credit reports. This loan company has added almost {$100000.00} to the principle of my loans and I am XXXX years old about to retire, there is no way I will ever be able to pay this off. This report makes it impossible for me to get a credit card or to buy anything. If they would just follow the government 's guidelines it would be so much easier. There is almost nothing about their report that is accurate. The State of Louisiana has ended the Pandemic Unemployment benefits early thus making it impossible for thousands of people to pay their bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Back I n XXXX, XXXX, I made a payment to XXXX, they used my routing and checking account number to take payment. XXXX  never informed me that I must have a checking account with checks, my bank account is a checkless checking. XXXX  understood this error and promised to correct the late payment. They even sent me a letter indicting they would remove it from my account. I submitted a dispute to expedian along with the letter from XXXX. After expedian completed thier investigation, they did not make any changes

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 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX  regarding past due credit card XXXX  bank XXXX visa CredyCard. Last time I used card was XXXX. I paid off balance in XX/XX/XXXX some how a {$2.00} dollar interest rate fee was incurred and continue to add up. No call no email and from XXXX to XXXX incurred {$30.00} of which I paid. This practice by hidden interest rates was not disclosed to me and currently shows negative points on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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 Management Control, Inc.
State: MO

Complaint narrative:
I have reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. Credit Management Cntrl XXXX { {$770.00} } i even reached out the the data miners at XXXX as well after the company, I also havent recieved apiece of mail to state the truth or why it wont remove. Theres no wet signiture on me and its been in collection without replying with the reason why after i stated this doesnt belong to me that it is reporting. PLEASE REMOVE IMMIDEATLY IF THE PROOF IS NOT SENT IN MAIL IN THE NEXT 15 DAYS ITS WELL OVER 120 PLUS DAYS. i WILL SEEK THE MAX PENALTIES NEXT IF MY FCRA CONTINUES TO BE VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
These accounts was deleted and the was sold to a debt buyer and they was already deleted from acccount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: GA

Complaint narrative:
Back on XX/XX/2021, I contacted TransUnion & submitted legal documentation regarding the collection account they have listed on my consumer report for XXXX XXXX XXXX I informed them & provided documents stating that this account needed to be removed as XXXX XXXX XXXX is committing several FCRA violations. Thus far, TransUnion has refused to remove that account. At the same time that I contacted TransUnion, I also contacted XXXX XXXX XXXX as well and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX XXXX  via mail dated XX/XX/2021, that this account does not exist. Therefore TransUnion immediately needs to delete / remove this fraudulent account from my consumer report within their database.

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