vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
XXXX XXXX as Car Dealer has done hard inquiries on my name without my permmission to : XXXX XXXX XXXX on XX/XX/2018 Ally Finance on XX/XX/2018 XXXX XXXX on XX/XX/2018 XXXX   on XX/XX/2018 Other ... 
XXXX XXXX on XX/XX/2018 XXXX XXXX on XX/XX/2018 2018

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 2018-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: WI

Complaint narrative:
I have tried numerous times to inform this company that the debt they are attempting to collect does not belong to me due to being a victim of identity theft from a very close relative who once lived with me. The company has been completely resistant to removing the accounts from my credit report, despite the account being outside of the statute of limitations for enforcing the unauthorized contract. Their resistance has cost me a great deal of money and I can no longer afford to wait for them to do the right thing. I have filed a civil complaint against the company to recover a small portion of the financial damages caused by the company 's willful negligence. I have submitted affidavits of identity theft, complained to the credit bureaus, complained to the CFPB, complained to the FTC, with no avail. I am willing to drop the civil case if this unauthorized account is removed from my credit reports prior to XX/XX/2018. I have a pending acquisition that I must secure funding for prior to XX/XX/2018 and I need time after the entry has been removed to do so. If we can not come to some form of agreement I will just take the {$10000.00} award I am most certain I will obtain after the hearing on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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:
I did a credit report check through Experian, and it's lists an XXXX XXXX XXXX account that I've never used but states a balance of {$14000.00}. I have never used this account. I believe it is fraud.

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 2018-09-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX University for {$12000.00}. I took out the loan in XX/XX/XXXX made regular payments for an original loan amount of {$12000.00} beginning in XX/XX/XXXX-XX/XX/XXXX when the loan was charged off by XXXX University XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. 
The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. 

At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. 

I am sending two correspondences from XXXX. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XX/XX/XXXX-XX/XX/XXXX and my payments since XX/XX/XXXX-present? 
I have proof of payments, so my balance should be much lower. 

I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I did a credit report check through XXXX, and it's lists an Bank of America account that I've never used but states a balance of {$14000.00}. I have never used this account. I believe it is fraud.

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 2018-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
With the recent issues of my checking account with Chase, with my funds not be accessible because the account being deposit only for several days. I was unable to pay several bills because of this. I am looking not only for the funds that I've lost due to being stolen from me via my online checking account. I'm also looking for Chase to repay me for late fees that have accrued due to my account being inaccessible which totals {$25.00} for my XXXX XXXX credit card and {$27.00} for my XXXX XXXX Credit Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received 2 emails from American Express one for each credit card account I have with them. The emails stated that my credit line has been decreased. And no real reason for that! So I called AMEX and I got NO CUSTOMER SERVICE or explanation for what happened other than my credit line was reduced. They referred to my XXXX  credit report and other jargon that made no sense. I asked if my credit card account are late or something and they stated that my accounts are in good stating. They offered a posible solution which involved me sending them my tax return information and or making some sort of " one time '' ... .. All jargon to me ... .. when I have been a long time AMEX customer who pays on time! I went on my own and looked at/contacted XXXX  won my credit report with them .... no problem at! Good score!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Currently receiving phone calls and mailings regarding a debt owed to XXXX XXXX XXXX XXXX ( servicer ) to creditor : XXXX XXXX. The debt collector is Convergent. Convergent offers reduced balance amount of : XXXX. They claim a total balance owed of XXXX. 

Daily phone calls plus one mailing. 

I do not owe this debt, as this XXXX XXXX XXXX account is not mine. I did not open these accounts.

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 2018-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Currently receiving phone calls and mailings regarding a debt owed to XXXX XXXX XXXX XXXX ( servicer ) to  creditor : Synchrony Bank. The debt collector is XXXX. XXXX offers reduced balance amount of : XXXX. They claim a total balance owed of XXXX. 

Daily phone calls plus one mailing. 

I do not owe this debt, as this XXXX XXXX XXXX/Synchrony account is not mine. I did not open these accounts.

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 2018-09-08 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: NM

Complaint narrative:
TransUnion has incorrectly reported a 30-day late payment on my XXXX XXXX XXXX auto loan dating XX/XX/XXXX, which is the same day XXXX reported that I paid off the loan. I tried to dispute this, but was unable due to a previous dispute some time back. Due to a glitch in XXXX XXXX   system a late payment did go out the day I paid off the loan. the late payment shows 30-days late on a {$0.00} balance. This account should be " Paid as Agreed '' and immediately corrected. 
Last reported XX/XX/XXXX Creditor name XXXX Account type Automobile Account status Closed Opened date XX/XX/XXXX Closed date XX/XX/XXXX Limit {$0.00} Term Monthly ( due every month ) Monthly payment {$0.00} Responsibility Joint Account Balance {$0.00} Highest balance {$14000.00} Payment status Late 30 Days Date of last payment XX/XX/XXXX Amount past due {$0.00}

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 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: On-Site Manager, Inc.
State: MA

Complaint narrative:
I moved into a rental property - XXXX XXXX XXXX XXXX in XXXX, XXXX that was managed by XXXX XXXX XXXX XXXX, in XX/XX/XXXX. I left the property XX/XX/XXXX, which at that time it was managed by XXXX XXXX XXXX. I moved back to XXXX. Before I moved away from the property I tried to settle any outstanding financial obligations that I may have owed. At the time, the property refused to deal with me directly and said that I would get a letter in the mail. I left the state of XXXX  in XX/XX/XXXX as my job was being transferred back to XXXX. I did break the lease early. I did receive a few calls from a collection agency demanding payment in XXXX. Last year, XXXX I worked with a HUD approved agency and we were able to rectify the situation and close out the account. I have attached a copy of the two letters that I received from XXXX XXXX regarding this matter. There is nothing showing on my credit report. Fast forward to today XXXX. I am in the process of applying for a apartment and I was told that I have an inquiry on RealPage/Leasing Desk? I have never heard of this place and I am not sure why my name is even coming up in this particular system. The information that is showing is not correct nor accurate. I called around on XX/XX/XXXX trying to locate the source of who put this information in my file. I was told that the property XXXX XXXX XXXX is now being managed by XXXX XXXX XXXX - they could not assist me. I called around and spoke to someone at XXXX, XXXX, XXXX, XXXX XXXX and Real Page/Leasing Desk and no one is able to confirm why this is information is there. 
At this time this inaccurate information is preventing me from acquiring a safe and decent space for me and my children to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: TN

Complaint narrative:
There is a child support collection account in my credit reports that should not be there. Its showing I owe XXXX XXXX XXXX XXXX XXXX {$350.00}. I askes fir validation and verification from human services as well as all the credit bureaus. I called human services and they could not tell me why my child support is behind. Support has been coming directly from my check every pay period.

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 2018-09-08 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: AZ

Complaint narrative:
I contacted Experian to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) I demand the following accounts that can not be verified to be removed immediately I have all the copy 's of all 3 letters sent to them also have USPS tracking showing that there revived all 3 letter,

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 2018-09-08 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: TN

Complaint narrative:
There is a child support collection account in my credit reports that should not be there. Its showing I owe XXXX XXXX XXXX XXXX XXXX {$350.00}. I askes fir validation and verification from human services as well as all the credit bureaus. I called human services and they could not tell me why my child support is behind. Support has been coming directly from my check every pay period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX, XXXX and Experian are all reporting bankruptcy on my credit profile. I've disputed this information they continue to report inaccurately without validating the 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 2018-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 I received a check from XXXX XXXX and XXXX XXXX for {$15000.00} I  took the check to my branch office of CHASE Bank located at XXXX XXXX XXXX, FL XXXX. Ph # ( XXXX ) XXXX I was informed by teller # 3 that a 1 day hold ( Friday XX/XX/2018 ) would be placed on the check funds but the funds would be available on Saturday XX/XX/2018. 
See attached copy of check deposit. 
On Saturday XX/XX/2018 I checked my Chase Bank account online to verify that my check funds were now available. My Chase Acct shows an available balance of {$15000.00} See attached screen shot. 
Seeing that my Chase Acct had the funds available I proceeded to electronically send out payments to various businesses 20 in all for various amounts. 
After this I went to my local Chase Bank branch identified previously. I was then notified at the branch ATM that my funds were not available for removal. Seeing this I then went inside the branch to have them check on the status of my ATM card. The teller notified me that my ATM card was not on HOLD and then she tried to remove my requested funds. This is when the teller was notified me that there seems to be something wrong with my Chase Account. I was handed off to a personal Chase Banker, XXXX XXXX who contacted Chase Fraud Prevention located in XXXX, XXXX XXXX where I talked to XXXX XXXX Operations Supervisor. 
XXXX XXXX stated to me that my entire account was no on a FREEZE for the next 5 to 7 Days. I asked XXXX XXXX to explain why my entire account was to be placed in a FREEZE Status? XXXX XXXX stated that since there was no phone number on the check so that she could verify the person who signed the check was aware of the check. 
I asked XXXX XXXX if Chase Fraud Prevention would make available {$200.00} to me in compliance with Federal Banking Regulations? XXXX XXXX said " NO ''. 
In my entire life of XXXX years I have never been contacted by any bank to verify that I signed a check issued. 
I contacted XXXX XXXX XXXX, the bank that the check was issued from and asked them about the check from XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX informed me that the check was honored and paid on Friday morning XX/XX/2018. 
This is an ongoing issue with my Chase acct currently on a FREEZE status. 
I want to file a Formal Complaint against Chase Bank a subsidiary of JP Morgan Chase and Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: MI

Complaint narrative:
On Friday, XX/XX/2018 Allied Interstate called 6 times. This is in reference to a XXXX XXXX/XXXX XXXX credit card. 

I have personally reached out to XXXX several times to resolve the issue and I have scheduled 6 months of reoccurring payments at their suggestion. I am working to remedy this account and 6 calls in one day is UNCALLED FOR!

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 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I contacted Transunion to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 )

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 2018-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On Friday, XX/XX/2018 XXXX XXXX called 6 times. This is in reference to a Synchrony Bank/JC Penny credit card. 

I have personally reached out to Synchrony several times to resolve the issue and I have scheduled 6 months of reoccurring payments at their suggestion. I am working to remedy this account and 6 calls in one day is UNCALLED FOR!

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 2018-09-08 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: KY

Complaint narrative:
Equifax, XXXX  and XXXX  are all reporting bankruptcy on my credit profile. I've disputed this information they continue to report inaccurately without validating the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 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: AZ

Complaint narrative:
I contacted Equifax to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended XXXX College in 2007, for XXXX  XXXX, and was unable to find a job for the profession. Instead found work with an agency. I was unable to pay my student loan monthly due to my pay at work. At the end of the year, when I did my taxes, I did not get anything back due to my student loan. This happened for about 4 years. Then I received a letter from my lender stating I was so all paid up. Now I receive a letter stating I owe XXXX Dollars to Navient Solutions. I believe they're trying to stiff me. I'm no longer working due to an accident at work, and I deny making any payments I feel I do not owe.

Company response to consumer: Closed with explanation