vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX, I hired an Advisor to help with monetary investments. He suggested my XXXX money go into an annuity with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX, my XXXX money, with XXXX XXXX, was being moved to XXXX XXXX through JPMorgan Chase Bank. The money was split into 5 checks and 3 of the 5 checks sent out were intercepted, altered and cashed, for a total loss of {$39.00}, XXXX. Of that amount, I still have an outstanding loss of {$13000.00} ( one check ). 

XXXX fraud department has filed the appropriate legal documents and copies of altered checks with Chase Bank, which I do not have a copy of. Two of the stolen checks were altered by " XXXX XXXX XXXX '' ; check # XXXX and # XXXX. According to XXXX XXXX, the altered checks were very obvious and should have never gotten past cashier at Bank. Chase Bank has given back money for one of the " XXXX XXXX XXXX '' checks ( # XXXX ) but is not responding to approve payout of the other check ( # XXXX ). 

My last email communication was with XXXX on XX/XX/XXXX. The response I repeatedly get from XXXX is that the Fraud group will follow up with me once they have an update to share. 

It's been over 3 years and I've been more than patient. At this point, I ask my fraud case be expedited and money given back by Chase or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-02-15 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: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Radius Global Solutions LLC
State: AZ

Complaint narrative:
There is a recent medical collection on my account that is not mine. I have never heard of this company and if I did indeed owe it, I have never been notified either by mail or a phone call. Here is their information... they also have no phone number to call RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
I filed a dispute with XXXX about an account from XXXX XXXX XXXX that got sent to collections. XXXX XXXX XXXX was the collection agency. The dispute was filed on XX/XX/2022 the file number is XXXX. I paid the collection agency on XX/XX/2022 and a representative said they were going to report to the credit agency on Friday XX/XX/2022 and they didnt so I filed a dispute. XXXX said that I didnt pay the collections agency so they were keeping it as the debt was never paid, I have proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: MN

Complaint narrative:
The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the incorrect information and inquiries listed below : Personal Information Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Employer XXXX XXXX  Date Updated : XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc.
State: CA

Complaint narrative:
Original CFPB complaint logged XXXX. Tesla responded to CFPB complaint, stating they resolved the issue and my lease was terminated on XX/XX/2022 without further recourse. I just received a notice from Tesla via text message indicating that my payment for XXXX was late, which is in error because I am no longer obligated to the lease. I logged into the Tesla portal and found no active cars. When I navigated to past cars, I found my original lease that says it ended on XX/XX/2022 but has an outstanding payment for XX/XX/2022. This needs to be rectified immediately to avoid unwarranted harm to my credit. Tesla does not respond to emails, nor do they send notifications that my email has been received. Therefore, it is unknown if they're actually working to resolve the issue. They only seem to respond to regulatory complaints. I emailed this concern to XXXX and XXXX without response or confirmation of receipt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
hello! My NAME IS XXXX XXXX i had service with XXXX  # XXXX on term of one year contract not to be renewed automatically after that i had paid them in advance for the whole year on that terms they still came and service after that and tried to collect money kept sending me bill, i called to explain twice no response in helping instead they send this to collection agency and now i m getting harassed for something i m not responsible! i called collection agency I.C.SYSTEM INC. ( XXXX ) ACCOUNT NO XXXX, EXPLAINING THEM THEY ALSO DONT WANT TO LISTEN INSTEAD THEY WANT ME TO MAKE PAYMENTS, I ASKED THEM WHY SHOULD I PAY FOR SOMETHING I DID NOT ASK FOR BUT STILL NO HELP JUST SAME ANWER SO AS A CUSTOMER I FEEL LIKE THERE IS NO ONE TO LISTEN TO MY STATEMENT BUT TRIES TO CHARGE ME FOR SOMETHING THAT WAS NOT ASKED OR REQUESTED FOR.THANKS LOOKING FORWARD FOR SOMEONE TO HELP ON THIS MATTER.APPRECIATE ANY HELP, 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 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the covid 19 pandemic my work hours where cut and i was struggling with paying all my bills. Credit cards, House, Car etc. so i had to pick and choose what bills i was paying that month. 

Bank of America card, was hit the hardest i was making my payments all of XXXX, XXXX XXXX is when i started to have issues with paying it. all my cards are now managed by a company and being paid on time. i would like to remove all my late payments for this account as it was due to the pandemic, my account was in good standing before the pandemic and remains to be paid monthly now. 

XXXX XXXX Credit Card, that was paid late due to the pandemic XX/XX/XXXX and XXXX XXXX account was in good standing before pandemic and is currently still getting paid by a dept management company monthly. 


as you can see on my credit report, all bills are no longer being paid late, as the only time i had to pay them late was due to the pandemic. 

Thank you

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 2022-02-15 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have been having a serious problem with my credit card company. I received a letter dated XX/XX/21 stating that my account was to be credited in the amount of {$1100.00} on XX/XX/21. When I received the next monthly bill, it had NOT been credited. When I contacted them, they stated that the letter was sent in error. 

I have tried to resolve this issue multiple times and keep getting the run around. I then, was told to send a letter to the " Presidential Correspondence Disputes '' in XXXX, XXXXwhich I did on XX/XX/21, to which I got no response as well. 

This is more than frustrating, and I have continued to pay the minimum payment every month, as to not harm my credit. Please help!!!!

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 2022-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I have been affected by Covid 19, Request help with my mortgage from Carrington Mortgage and they put me in a forbearance. My forbearance ended XX/XX/XXXX, as soon as it ended I sent the documents for the mortgage assistance. I sent Carrington all the paper work they requested but a foreclosure sale date was set to sale my house. Spoke with XXXX XXXX XXXX dept. XX/XX/XXXX he said the foreclosure sale date is still on hold not canceled yet underwriters are still working on the COVD-19 modification. He transferred me to XXXX the Supervisor. XXXX XXXX XXXX she stated the foreclosure date for XX/XX/XXXX will stay on hold until the modification is complete. I told her of the last conversations with XXXX XXXX ID # XXXX stated Supervisor XXXX XXXX XXXX XXXX said it shouldn't be on there and will be canceled said to check next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Two fraudulent charges of {$99.00} each were made to my card through XXXX when I don't even have an account. I disputed the charges per Wells Fargo 's instructions and they credited the charges two days later. I received a new card per my request to prevent this from happening again. Now on XXXX they put the charges back on my card claiming I needed to put in a fraud claim instead of a regular dispute even though this was the first I heard of this process from them. I immediately filed the fraud claim but they have made no attempt to correct the issue. In fact it took me being transferred to multiple individuals before someone even acknowledged the charges were even adjusted back onto my balance as a charge!

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 monetary relief
Consumer complaint received 2022-02-15 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: CITIBANK, N.A.
State: IL

Complaint narrative:
To whom it may concern, In XX/XX/2021, I mailed a check to pay off my Citi XXXX card in the amount of $ 3000+ dollars. 

The check was applied to my Citi Financial card. Then Citi XXXX added another {$3000.00} to my Citi XXXX 's current balance. 

This error caused my Citi XXXX Account to become over the credit limit, and caused XXXX late payments ( XXXX and XX/XX/2021 ). After this error, my credit score went from over XXXX ( I have never been late on anything ) to a XXXX. 

Eventually, after about 7 months and numerous calls the error was corrected and the payment was applied to the right account, but the XXXX late payments that were reflected on my credit report were not fixed. 

Thus causing my credit score to plument, the closing of other credit cards and the lowering of my credit limit. I have called and called. Filed a complaint with the attorney generals office and to my avail nothing has changed. 

I am a XXXX XXXX XXXX United States XXXX XXXX. I am so disappointed with how my credit has been handled and the disregard for Citi XXXX efforts to correct their error on 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 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a credit card with capital one. About 6 months into having my card. I got sick ( XXXX ) was not able to work & was sick all the time because of XXXX. I called in & let Capital one know of my hardship & even sent my personal Medical file to prove to them what was really going on. After 3 years of fighting & getting back to some what normalcy. I was happy for a second chance in life but have hundreds of thousands of medical bills. Before I started with my medical payments I wanted to pay off capital one because by right I owe them so I called in on my own free will & spoke to a rep & said I going to make payments on my bill in full but I would like it deleted off my credit report cause its hurting me. She said no problem. I was not even thinking to get it in writing because I had so much problems & issues at the time & did not know how it worked. Paid my bill in full & The item was never removed from my credit report. They had it charge off got a tax write off & I still paid it in full. They even made it worst by reporting a late payment the very much I paid it in full. I wrote to them several certified goodwill letter. They refused I even sent the copies of all 3 credit report showing all the inaccuracies & late payments listed when they were never later! Company refuse. I requested a form for my taxes since my bill was over {$600.00} they have totally ignore. I never knew a company can be so heartless even tho I made good on my own free will. I requested to have the account completely removed because its doing so much harm. And the account has so much incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: KY

Complaint narrative:
Since XX/XX/XXXX I have received 6 emails from XXXX XXXX of XXXX ( XXXXXXXX XXXX XXXX XXXX ). It may have begun sooner but I kept dumping them because I assumed they are phishing. Now they have become a nuisance. 

According to XXXX, I owe a balance of {$990.00} to XXXX XXXX. The email says this was an original account with XXXX XXXXXXXXXXXX XXXX XXXX and provides the last 4 numbers of an account. 

The email also says because of the age of the debt, I can't be sued for it and it can't be reported to a credit reporting agency.

For more than 2 decades, we have never carried ANY balance on any account. We have been completely debt-free. 

The dates of emails from them are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX I've taken a screen print of the XX/XX/XXXX email. Had to scan it in 2 pictures ( top and bottom ) I have reported this to Kentucky 's Attorney General 's office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: FL

Complaint narrative:
I am having many problems with the 3 Credit Reporting Agencies/Bureaus . They are mixing my file with someone who is deceased. I have disputed this with them for the past year and they have not corrected the accounts. XXXX will not even report a score and Experian sent me a letter saying that they have me as deceased even though they show me making ontime payments on my own accounts and late payments and collections on the ones that are from the deceased person. 
These issues have caused me and my family great difficulties and stress for the past 5 years. I have sent proof of my identity with documentation and pictures with my Florida issue Driver 's License. They have either not responded or ignored my requests or simply told me it's been verified with sending proof or an explanation of how it was verified. Please help me resolve this matter. The pandemic has taken a toll on our family. Both financially and physically and I am unable to apply for a loan because of their inaccurate reporting.

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 2022-02-15 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-02-15 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: MI

Complaint narrative:
I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief