vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is in response to chase banks choice to close my case with out compensation. 

I will first reiterate that a local branch notice and showed me that the second money order was fake and voided it out so no one could cash it.So how can chase executives lie and say they cant tell if a money order is fake. Also your atms these days are select on what it accepts and can register if bills are fake or not, so how is it that a trusted serves of money order can not be detected. I am no lawyer cant afford one and I now feel pushed aside and lied to for a second time because they know so by going over my account information and then deciding to treat me like trash and sweeping me under the rug. I dont know your articles of law. All I know is i was shown by one of Chase branch workers that the money order was fake ( wich executives say they cant do ) and was shown how to tell when a money order fake ( wich executives say they cant do ). 
So What the point of stating legal chapters if they just lied to me and dont follow there own stipulations? I have kept names to myself. In hopes they treated me like they customer I thought I was at the branch. But soon as I get handed over to executives Im treated as if Im a bum holding a card board sign. 

P.s. again why lie about the help I already recieved in destiguising how to tell if a money order is fake? And why does a local branch offer more help than the executives?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: TX

Complaint narrative:
On or about XX/XX/XXXX, I notified all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or aboutXX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( XXXX, Experian, XXXX XXXX ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.

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 2017-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P.S.C., Inc
State: WA

Complaint narrative:
I got letter from this collection agency base out of Washington XXXX and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA.

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 2017-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient keep adding balances and subtracting from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified that I was out forbearance. I resectively ask that the lates from XX/XX/XXXX be removed and set to current. As soon as I contacted my loans were put back in forbearance. Also I want all loans older than seven years off my credit report, as that is more than SOL for my state. I need this done ASAP, as Navient is doing illegal collecting and reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: TX

Complaint narrative:
On or about XX/XX/XXXX, I notified all three major credit bureaus ( XXXX XXXX Trans Union ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or aboutXX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( XXXX XXXX, Trans Union ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( XXXX XXXX Trans Union ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( XXXX XXXX, Trans Union ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.

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 2017-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a solicitation for a credit card from Elan Financial for a Fidelity branded credit card. The application was rejected and XXXX claimed I clicked decline on the online application. I asked to rectify and they said they would not honor the offer and they offered another card with less favorable cash back terms. The original offer had not expired and their behavior was typical of bait and switch schemes. 

I have sustatial deposits with Fidelity and a XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JTM Capital Management, LLC
State: TX

Complaint narrative:
ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the 30days grace to acknowledge or dispute the debt. 
c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the  call with them, dated XXXX XXXX specifying I have 30days to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and 30days response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The account was open without my authorization Identity fraud. This account Must be Removed Fraud. 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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. Thanks

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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
In the early morning hours of Wednesday, XXXX XXXX I was shopping on XXXX. I decided to purchase a small item. When XXXX brought up the payment page, I had the options to 1. buy & pay using my normal paypal account 2. buying and then paying with Paypal Credit , which I do not have. 

I checked the latter box by mistake. I remember a pop-up that stated if you pay for an item with " paypal credit '' you are basically applying for a paypal line of credit. I did not want that, so backed out of the purchase. On my XXXX account there is no record of purchasing the item. 

On my paypal account, it immediately showed that I now had a line of credit of {$7500.00} with paypal. I emailed paypal and told them I did not initiate this account and would they please close it. 

The next day I received an automated email response from paypal, which did not address my concern. So I call paypal. They did close the account, but in the mean time I was alerted by XXXX XXXX of an inquiry on my credit ( note : this happened after paypal 'gave ' me the line of credit ). I told the customer service rep that I wanted that inquiry removed as I did not authorize any of this. They said they would not do that as this is not a fraud. Well I think this is fraud as I never applied for this line, let alone authorized them to check my credit. 

The companies involved are : XXXX XXXX  Bank/PayPal Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: IL

Complaint narrative:
I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.

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 2017-11-18 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: IL

Complaint narrative:
I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXX 2014 and XXXX 2014 ). I respectively ask that the late from XXXX 2014 to XXX 2014 be  removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18 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: IL

Complaint narrative:
I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXXXXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.

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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. Thanks

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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I was defrauded by someone from XXXX and my bank, chase, has not been able to help me. He stated he was selling tickets for a musical in exchange for {$400.00}. I transferred the money via CHASE XXXX XXXX and within 10 minutes of not hearing anything back, I immediately called Chase to help reverse the transaction. They could n't reverse the transaction and was told they would not be able to mark it as fraud as I had initiated the transaction. I have called the XXXX XXXX PD ( scammer " XXXX 's '' phone number ), XXXX XXXX PD, and I have put in an internet crime complaint in hopes that 1. There will be an investigation into " XXXX 's '' account and closed as he scamming victims. 2. I would like to get my {$400.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I register my personal information with Equifax on XX/XX/17 at the time service was free at no charge to register. Equifax services guarantee customers a 30 day period to work the case and present some type of updates to customers if its by phone or email now its been more than 30 days and no udates nor touch basic has been made with me. Now my membership does n't exist with Equifax anymore membership is being denied when attempting to login. Equifax services is redirecting me to a different site call trusted ID wich i have to pay for there services was never mentioned by Equifax on the day i presented my information to Equifax. After waiting 30 days im very disappointed because my privacy is out there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In the early morning hours of Wednesday, XXXX XXXX I was shopping on XXXX. I decided to purchase a small item. When XXXX brought up the payment page, I had the options to 1. buy & pay using my normal XXXX account 2. buying and then paying with XXXX XXXX XXXX which I do not have. 

I checked the latter box by mistake. I remember a pop-up that stated if you pay for an item with " XXXX XXXX '' you are basically applying for a XXXX line of credit. I did not want that, so backed out of the purchase. On my XXXX account there is no record of purchasing the item. 

On my XXXX account, it immediately showed that I now had a line of credit of {$7500.00} with XXXX. I emailed XXXX and told them I did not initiate this account and would they please close it. 

The next day I received an automated email response from XXXX, which did not address my concern. So I call XXXX They did close the account, but in the mean time I was alerted by XXXX XXXX of an inquiry on my credit XXXX note : this happened after XXXX 'gave ' me the line of credit ). I told the customer service rep that I wanted that inquiry removed as I did not authorize any of this. They said they would not do that as this is not a fraud. Well I think this is fraud as I never applied for this line, let alone authorized them to check my credit. 

The companies involved are : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation