vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
INNOVATIVE RECOVERY IN This company is reporting a Past Due Amount : {$3500.00} on my credit. XXXX  and XXXX  have removed the debt as it is not valid. XXXX  is reporting it and they say it is valid. I want them to validate the debt and remove from my credit report. They are reporting this debt on behalf of XXXX XXXX XXXX which I left in XX/XX/2018 for roaches infestation. Their contract was supposed to expire on XX/XX/2018 and I told them I will not renew because of roaches. My last payment was for XX/XX/2018. Innovative is reporting twice the month rent for breaking the contract. I have proof of the last month rent which was XX/XX/2018. I do not know how they validate the debt with XXXX. I have written communication and spoken verbally to the landlord. I want this creditor to remove the debt on my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: AZ

Complaint narrative:
I have a Chase bank Visa card. Chase bank finally did credit my account after nearly two months in the amount of {$130.00} regarding the dispute with XXXX  XXXX XXXX. 

Since than I have been billed inappropriately by Chase bank. First there was some kind of charge from XXXX XXXX XXXX. I have no idea what or where that has come from. Chase bank has cancelled it, and is in the process of sending me a new Visa credit card. 

Now, Chase bank is incorrectly billing me for {$64.00}. As they have billed the amount TWICE. I spoke over the phone with a gentleman from Chase named XXXX who was in XXXX. He told me to contact XXXX XXXX regarding the double charge for the amount of {$64.00}. I have done that and have emails from XXXX XXXX that admit that there was ONLY ONE PURCHASE in the amount of {$64.00}. From reading their ( XXXX  XXXX ) emails, the first charge should of dropped off. Chase bank is at fault. For charging me TWICE for just ONE PURCHASE. 

Added NOTE : I have a New Chase Visa card coming in the email. I only know the last four numbers are : XXXX Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-05 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I requested my report from Clarity Services Inc, on a couple occasions. On one occasion back in early XXXX I had disputed much of the personal information they have on record for me, as it is not mine and never has been mine before. They have over 42 different inquires listed down and of those 42 only 12 of them are actually inquires that I granted permission to, the other 30 of them I never grated those companies permission to review my credit nor have I ever even heard of those companies. Clarity still refuses to remove them and still refuses to validate them to me. Also there are 5 incorrect addresses listed under home addresses those 5 are NOT addresses I ever lived at before. Then they have 16 different phone numbers listed under Home Phone Numbers and I havent had a home phone line in over 12 years, so every single one of them is inaccurate as their reporting only goes back until XXXX. Then they have 12 different cell phone numbers listed under Cell Phone Numbers of which 2 of them are actually mine. Ive never seen those others numbers before, theyre not mine! And then as we get to the section Drivers License Numbers they have a state listed claiming I have DL there and Ive never even stepped foot into this state let alone got a DL there. 2 of the 7 listed are accurate the other 5 are NOT. They have 8 different email addresses listed, only 2 belong to me. They have my employers company name wrong and have it listed as current when its a former employer. The occupations they have listed are wrong. And then in a section titled Net Monthly Income out of 17 different amounts listed only ONE is accurate. Oh and the biggest one is the section titled Banking Information they have 4 different bank accounts listed, only 1 is actually mine the rest Ive never seen before. 
They are serious reporting A LOT of inaccurate made up information on my file and it concerns me greatly. But whats more concerning is their refusal to remove this incorrect info from their file. They have no right furnishing requesters false information, thats lying to them essentially. Its not right theyre getting away with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested that a Personal Statement be added to my report. I submitted this previously but TransUnion Failed to even acknowledge my request. Please add this to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: OK

Complaint narrative:
Don't know what to do with the delay in getting back to you sooner than a decade ago when I was a kid in a few types of the best chance to win one of these things are going to have a great time in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Hello on XX/XX/XXXX I came across a twitter account with the name Lay_Gloski I have been trying to report her so they shut her down. She probably scammed a lot of people by blocking the victims right after receiving money. I genuinely believed she was actually investing money for us to give us back a larger amount. It was all a lie and I just believed it. She mentioned she was with XXXX and would be able to pay us more than we paid her since shes been trading with XXXX. After I sent her the money she asked. She blocked me and declined my money request, my bank told me they would start a claim but Im not sure how thats going to go as normally scam money doesnt come back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: NV

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX bankruptcy XXXX all ftc violations needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: NV

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX bankruptcy XXXX all ftc violations needs to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: LEXISNEXIS
State: NV

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX bankruptcy XXXX all ftc violations needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX @ XXXX XXXX, I made a deposit of {$1000.00} ( XXXX- {$20.00} ) at the inside ATM located at XXXX XXXX XXXX , XXXX XXXX , NJ - the transaction never completed correctly and I have the statement record # XXXX which clearly states this was a forced deposit record of {$100.00} instead of the {$1000.00} which I was trying to deposit and the machine did not return the {$900.00} back that it didn't deposit. I immediately called their XXXX XXXX XXXX XXXX and held on for an hour and then got disconnected, called again about XXXX XXXX - same result. XX/XX/XXXX - I called again on XX/XX/XXXX and filed a complaint I was told I would receive a provisional credit in 1-2 days while TD investigated, I checked my account again on XX/XX/XXXX and to my dismay the credit was not there so I called the above number again to be told the credit takes 7-10 days to show up and again - that never happened. I called the branch on XX/XX/XXXX and spoke to XXXX who told me " they didn't have any record of a problem with their inside ATM on XX/XX/XXXX and I would have to file a complaint '' which had already been done. The reason for my call directly to the bank on XX/XX/XXXX, because I felt I could get this matter resolved since this is where I opened all of my accounts years ago. I am greatly disappointed in how TD has handled this account without reaching out to me to find out what happened or show any concern for my additional {$900.00} getting credited to my account. I thought when whomever checked that ATM that evening or the following morning they would have seen there was an issue and would have attempted to resolve my issue but instead on XX/XX/XXXX, I received a letter from TD stating my claim was denied for the refund of {$900.00}. Note : I have also learned that TD does not give provisional credits for their ATM 's ( so it seems, I was getting the run around from the start ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In XX/XX/XXXX my XXXX XXXX XXXX got totalled by a XXXX Truck. My attorneys won the case XXXX  was liable. {$11000.00} or more was paid towards the car. When signed for the original contract auto loan I paid for Gap Insurance which was added to the loan. My car insurance totalled my car out XX/XX/XXXX. The remainder of the loan is supposed to be paid by Gap Insurance through XXXX. All correspondence went to XXXX XXXX XXXX XXXX Gap Specialist XXXX XXXX XXXX, XXXX XXXX mostly through email with subject line Regarding Ally Acc # XXXX and sent documents to this email. After I sent documents. No more correspondence from the Gap Specialist. So I assumed they got their money because if they didn't then I should have been contacted by the Gap Specialist who has my email XXXX, phone number 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 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
Accounts no longer able to be linked

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
This complaint is against XXXX XXXX. 

On XX/XX/2020 I attempted to send XXXX {$300.00} to my brother in XXXX via XXXX XXXX XXXX XXXX XXXX. My XXXX account was restricted due to a transfer I made in XXXX, and which my bank had rejected, on account of a change in my mailing address. Not being able to utilize XXXX XXXX, I opened an account with XXXX and made the transfer. In the process, I noted that XXXX XXXX rate applied by XXXX for the {$300.00} transaction was significantly lower than the rate applied by XXXX. XXXX would have delivered J {$37000.00} which is equivalent to an exchange rate of {$120.00} Jamaican dollars to {$1.00} XXXX dollar ; at the same time, XXXX delivered J {$41000.00} which is equivalent to an exchange rate of J {$130.00} Jamaican dollars to {$1.00} XXXX dollar. That's a difference of J {$4100.00}. I have used XXXX for many years to send funds to XXXX each month. On average, I send at least {$300.00} per month. Based on the difference in rates, and an average of {$300.00} sent monthly, this could easily translate into J {$49000.00} per year or J {$140000.00} over XXXX years ; J {$490000.00} over 10 years! 

Today, XX/XX/2020, I sent XXXX {$300.00} via XXXX. XXXX delivered XXXX ; XXXX would have delivered J {$37000.00}, a difference of J {$3800.00}. It seems to me that XXXX is not giving consumers a reasonable exchange rate ; the rate I was given in these XXXX instances does not appear reasonable to me, given the XXXX comparison.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contracted Equifax several months again in regards to ab collection account showing in my credit report under the name Fair in and out for invitation homes original creditor. I advised Equifax that the account was a result of someone using my name and that the account needed to be deleted. I advised XXXX and XXXX if the same information and provided the sand both both have deleted the account however Equifax continues to report this account. Please see attached information and follow the other bureaus by deleting the collection item

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Please make the payday apps available for loans. Pnc have a problem connecting to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
PNC will not allow me to add my checking account with them to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contracted Equifax several months again in regards to ab collection account showing in my credit report under the name Fair in and out for invitation homes original creditor. I advised Equifax that the account was a result of someone using my name and that the account needed to be deleted. I advised XXXX  and XXXX  if the same information and provided the sand both both have deleted the account however Equifax continues to report this account. Please see attached information and follow the other bureaus by deleting the collection item

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/20 tried to link bank account to peymynt but was not accepted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
on my loan with Wells fargo they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I keep receiving phone calls from Home Depot credit card. Citi bank is the one who receives the payments. On XX/XX/20 l paid {$65.00} which the minimum was {$28.00} through my credit union bill payer checking account. I had until XX/XX/20 to pay this bill. I contacted the previous agent and he told me to send a copy of my payment to the dispute department which l did. It is a week now and l am still getting harassing phone calls. I have proof so what more can l do to resolve this annoyance?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on my loan with XXXX XXXX they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on my loan with XXXX XXXX they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on my loan with XXXX XXXX they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: PA

Complaint narrative:
JPMCB auto finance XX/XX/2015 {$17000.00} They didnt give me a chance to pay the months I had backed up they wanted the full amount of the loan. And at the time I was unable to due to my job being lost, responsibilities and bills due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2020 I notice on my XXXX XXXX I have a new inquiry about an XXXX XXXX XXXX service. 100 % percent sure I have not applied for credit for any of their services I have contacted them over the phone. Their answer was clear nothing they can do since they have no records of this transaction. I called equifax they instructed me this needs to be removed by XXXX XXXX XXXX. I'm a worker with very limited time and gave up. This week I have received the same credit inquiry type of transaction from a consumer credit for XXXX. I don't shop in XXXX been to the store 2 in my life and have mever applied for the supposed store credit card. This credit inquiries only show in Equifax not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: MOHELA
State: GA

Complaint narrative:
XXXX, XXXX  XXXX  and Mohela  are in violation of the Fair Credit Reporting Act. They all continue to report my student loans in deferment and continue to report the incorrect payment history despite me submitting proof multiple times for months .The Credit Bureaus are also in violation of providing verification method. Even with my proof that I am not in deferment and despite the Cares Act Law they continue to report in deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation