vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021, JP MORGAN CHASE Bank processed a dispute of a debit charge from my account in the amount of {$2900.00} to XXXX. They reversed the payment and handed me a temporary credit. I immediately called to tell them that this was not a fraudulent charge that it was my mortgage payment and it should be processed. On XX/XX/2021 JP MORGAN CHASE canceled the claim and removed the temporary credit of {$2900.00} from my account but they didnt send it back to XXXX. It is now XX/XX/2021 and my money is still to be received by my mortgage institution, TDECU, or back into my checking account. I have called JP MORGAN CHASE multiple times and its always the same excuse that it was 45 days and now that the 45 days are up that I have to wait for XXXX. This was not a credit card charge this was a debit card charge - that money is mine and JP MORGAN CHASE has been keeping it since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
New Res - Shellpoint Mortgage services falsely reported delinquent payments to all 3 credit bureaus on XX/XX/2021. This is a recurring problem with this company. There accounting practices are flawed and none of their customer service agents have the ability to fix errors but just document the problem and the problem never gets fixed. Received letter dated XX/XX/2021 on XX/XX/2021 stating that I was passed due 17 days in the amount of {$19.00} when the check for the entire amount of the mortgage is shown as being cashed on XX/XX/2021. Online records show that my account is current. Phone records say last payment was received XX/XX/2021. Called into customer service and representative claimed my account was in good standing but would not provide information in writing nor would address issue with the report to the 3 credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: MN

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-12-29 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: MN

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-12-29 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: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I DO NOT OWE MIDLAND CREDIT MANAGEMENT. I HAVE RECIEVED ANY PAPERWORK OF A COURT ORDER PRORPERLY SERVED TO ME. I HAVE NO KNOWLEDGE OF ANY ACCOUNT WITH MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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 have requested multiple times to each credit bureau and creditors that the fraudulent accounts be removed from my credit profile under the law. they have refused. all addresses are incorrect and names. said creditors and credit bureaus listed in this affidavit have claimed to verify the accounts but have not provided any signed verification nor affidavits swearing under penalty of perjury that the accounts belong to me and to claim they belong to me without proof nor verification is a fraud in itself. said accounts are to be removed immediately. Including all inquiries attached is my affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tate and Kirlin Assoc
State: MI

Complaint narrative:
I RESPONDED ON XX/XX/2021. TATA & KIRKLIN ASSOCIATES , INC. I DO NOT HAVE ANY KNOWLEDGE OF THIS ACCOUNT. I DO NOT OWE XXXX XXXX XXXX XXXX  OR ANYONE ASSOCIATED WITH THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good Morning, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed a hard inquiry on my credit report by Bank of America that was not from my activity. I immediately contacted XXXX, through whom, contacted Bank of America. They were not able to locate the account since looking up my name and social didn't not bring up any record. On XX/XX/XXXX, I noticed that a new account was open on XX/XX/XXXX by Bank of America, again, not from my activity. I once again contacted XXXX and filed a dispute. I also talked to Bank of America, where they compared my information with the information of the account on file and told me that it was a different person ( the person has a similar but different name, different phone number, however, I lived on the same street that they are living right now, they also opened the account without a social security number and used a passport, it was not my passport information, they used their XXXX ID as well, where I was also a student and had an ID but Bank of America compared the information and told me that it wasn't the same ) and I'd have to dispute with XXXX. So now I know it wasn't identity theft and a mistake on the credit bureau. However, I received the dispute result and it says that Bank of America confirmed that the information was accurate. In addition, they added this person 's address to my report ( it is a dorm building i once lived in but I didn't live in the same room, now they added this one to my report as well ) as well as changed my birth year on my credit report to match this person 's. I tried to update the dispute by adding more documents but was not able to. I am not even able to open a dispute to change the year of birth or remove the street address.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My mother has fraudulently opened accounts under my name and has left me to pay the balances of those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 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 have requested multiple times to each credit bureau and creditors that the fraudulent accounts be removed from my credit profile under the law. they have refused. all addresses are incorrect and names. said creditors and credit bureaus listed in this affidavit have claimed to verify the accounts but have not provided any signed verification nor affidavits swearing under penalty of perjury that the accounts belong to me and to claim they belong to me without proof nor verification is a fraud in itself. said accounts are to be removed immediately. Including all inquiries attached is my affidavit

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 2021-12-29 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 have requested multiple times to each credit bureau and creditors that the fraudulent accounts be removed from my credit profile under the law. they have refused. all addresses are incorrect and names. said creditors and credit bureaus listed in this affidavit have claimed to verify the accounts but have not provided any signed verification nor affidavits swearing under penalty of perjury that the accounts belong to me and to claim they belong to me without proof nor verification is a fraud in itself. said accounts are to be removed immediately. Including all inquiries attached is my affidavit

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 2021-12-29 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 have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-12-29 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: GA

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-12-29 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:
Experian is incorrectly reporting my Balance for my XXXX account XXXX My XXXX  account is OPEN, with a {$0.00} Balance with an {$800.00} Credit Limit. All the other credit reporting agencies are up to date except Experian which consistently lags or is slow to report accurate information especially my XXXX account.

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 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX {$390.00} opened by unknown source on XX/XX/21. 
Disputed on XX/XX/21. Returned response... account information meets fcra requirements. 

I did not open this acvount nor did I.give anyone permission to open an account. 

This account is not mine. I want it remove from all credit relating to me. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Company will not acknowledged or apply payment to my loan even though I have a cancelled check. They claim they did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. I have sent over 3 rounds of letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: VA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to 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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JP Morgan Chase Bank pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX of XXXX for a credit card inquiry. This is showing on a credit report pulled when I refinanced my home. I only gave them permission to pull this once. I called the bank to get this rectified but all they told me they could to was send an email. I am wanting this taken off my credit report as they illegally obtained my credit report without my knowledge for a second time. I spoke with XXXX a supervisor who is the only one working for Chase as he expressed no one else can help me. The staff was super rude to me and did not help. Told me I could write a hand written letter to corporate if I feel strong enough about the situation when they illegally pulled my credit for a second time. I also called and told them I did not want the card as they took way to long to respond and they sent me a card anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I am writing about the alleged bankruptcy ( XXXX, XXXX, Equifax ) is reporting. I have sent over 6 rounds of letters asking for the proper verification but they have ignored my request. Isnt it illegal to ignore a consumer request under ( insert law ). 
I have been more than patient I need resolutions now as this is tarnishing my credit score I asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this? court name is not accurate - each bureau must report the actual name of the court. I DEMAND TO KNOW WHERE YOU GOT THIS INFORMATION FROM THE COURT HOUSE DOES NOT SUPPLY THIS INFORMATION SO TELL ME WHO REPORTED THIS IF YOU CAN NOT PLEASE DELETEThis agency is in violation of 15 U.S.C. 1692g. The creditor ignored the request to verify this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: MS

Complaint narrative:
ON XX/XX/2021 I purchased merchandise on XXXX and the source of payment was " Paypal Credit ''. I have not received the merchandise and i believe the merchandise is lost in transit ( see attachments ). I should had done received the order by now. I Believe the merchandise advertisement was a scam to begin with. So I have asked for a refund in the amount of {$19.00}. I have sent the seller messages to no avail.

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 2021-12-29 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: Rent Recovery Solutions
State: TX

Complaint narrative:
We paid Rent Recovery Solutions {$3900.00} on XX/XX/2021. The representative informed us the debt would be removed from our credit report. The debt is still showing on our credit report. We contacted Rent Recovery Solutions a second time, the representative from the company now informed us, that the credit bureau would have to remove the debt from our credit report. 

We are expressing Rent Recovery Solutions used deceptive, and unfair business practices by initially informing us the debt would be remove from our credit report in order to secure the debt funds of {$3900.00}. We are explaining Rent Recovery Solutions enticed us to pay the debt in full, by explaining the debt would be removed from our credit report. Please investigate this company. There are probably other consumers that have incurred deceptive practices from this company. 

We want Rent Recovery Solutions removed immediately from our credit report. Please asked the company to let your department hear the company recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis Still has my information, I called and asked to opt out, AND DELETE all information in my name. They said they would mail out a report of all items on my report, on XX/XX/XXXX they mailed me a letter saying " unable to process request ''. im under no opbilation to send them any of my personal documanets. I HAVE NO CONTRACT WITH LEXISNEXIS. I want ALL my information removed forever, this is a private company with my personal information REMOVE IT.

Company response to consumer: Closed with explanation